Short-term and long-term disability insurance
Disability insurance replaces part of an employee's income if an illness or injury keeps them from working. Arizona does not have a state disability insurance program, so employer-offered coverage is often the main protection employees have.
Short-term disability (STD)
Short-term disability pays a portion of income for a limited period, typically a few weeks to several months, after a short waiting period. It often covers recovery from surgery, injuries and childbirth.
Long-term disability (LTD)
Long-term disability begins after a longer waiting period (often once short-term benefits end) and can continue for years if the employee remains unable to work, depending on the plan.
How we help
- Compare employer-paid and voluntary (employee-paid) options.
- Explain waiting periods, benefit percentages and how long benefits last.
- Help employees file claims and follow up with the carrier.
Common questions
Is disability insurance the same as workers' compensation?
No. Workers' compensation covers work-related injuries and illnesses. Disability insurance can cover illnesses and injuries that happen off the job.
Can disability insurance be offered as a voluntary benefit?
Yes. Many employers offer disability coverage that employees pay for through payroll deduction, often at group rates.
More answers in Health Insurance Defined and our glossary.
Related services
Group life insurance
Group life insurance gives your employees financial protection for the people who depend on them.
Group medical insurance
Offering health insurance helps you attract and keep good employees.
Employee education and claim support
Benefits only add value when employees understand and use them.