Protect Your Team’s Paychecks When They Need It Most

Employees gain peace of mind knowing their income is protected if they’re unable to work with IDR Group Disability Insurance.

Key Details
IDR Group Disability Insurance typically pays 50–70% of an employee’s salary during a disability. Group coverage often comes at lower rates than individual policies, making it more cost-effective for employers and employees alike.

What to Know About Group Disability
Available as short-term (weeks/months) and long-term (years) coverage.
Premiums can be fully or partially covered by the employer.
Enrollment is usually automatic, simplifying access for employees.
Employees may have the option to purchase additional voluntary coverage.

Fast Next Steps
Employers: determine whether premiums are employer-paid, employee-paid, or shared.
Review waiting periods, benefit amounts, and duration to ensure proper coverage.
Communicate the value of this benefit clearly to your team to maximize engagement and understanding.

Enhance retention and demonstrate that IDR Insurance values employees’ long-term financial and personal well-being.

Key Details
Strengthens your employee benefits package to attract and retain talent.
Supports workplace productivity by helping staff stay financially secure during illness or injury.

What to Know About Group Disability with IDR Insurance
Available as short-term (weeks/months) and long-term (years) coverage.
Premiums may be fully or partially paid by the employer.
Coverage is often automatic for employees, making enrollment simple.
Employees can choose voluntary buy-up options for additional protection.

Fast Next Steps
Employers: determine whether premiums are employer-paid, employee-paid, or shared.
Review waiting periods, benefit amounts, and coverage duration.
Clearly communicate the value of this benefit to your team.

With IDR Group Disability Insurance, household budgets stay intact even if a paycheck is temporarily interrupted.

Key Details
IDR Group Disability Insurance ensures essentials—rent, mortgage, and childcare—remain covered. It helps reduce stress for employees and their families during recovery.

What to Know About Group Disability
offered as short-term (weeks/months) and long-term (years) coverage.
Premiums may be fully or partially covered by the employer.
Coverage is often automatic, simplifying employee enrollment.
Employees can opt for voluntary buy-up options for additional protection.

Fast Next Steps
Employers: determine whether premiums are employer-paid, employee-paid, or shared.
Review waiting periods, benefit amounts, and coverage duration.
Clearly communicate the value of this benefit to your team.

IDR Group Disability Insurance offers affordable plans that help smaller employers provide benefits comparable to larger organizations.

Key Details
Helps attract and retain employees while keeping costs manageable.
Tax-advantaged options may be available for the employer.

What to Know About Group Disability
Typically offered as short-term (weeks/months) and long-term (years) coverage.
Premiums may be fully or partially paid by the employer.
Coverage is usually automatic for employees, simplifying enrollment.
Employees can choose voluntary buy-up options for additional coverage.

Fast Next Steps
Employers: determine if premiums will be employer-paid, employee-paid, or shared.
Review waiting periods, benefit amounts, and coverage duration.
Clearly communicate the value of this benefit to your team.

IDR Group Disability Insurance pays a portion of an employee’s salary if illness or injury prevents them from working.

Coverage level: Typically replaces 50–70% of pre-disability earnings.
Consistency: Provides steady income to cover living expenses.
Peace of mind: Helps protect your household from unexpected income loss with IDR Insurance.

IDR Insurance plans can be customized to suit your company’s requirements and employees’ individual needs.

Short-Term: Protects income for a few weeks or months during recovery.
Long-Term: Offers extended coverage, often up to retirement age.
Hybrid: Combines both short- and long-term benefits for comprehensive protection.

With IDR Insurance, some plans let employees keep coverage if they change jobs.
Portability guarantees long-term protection beyond a single employer.

Keep coverage: Take your policy with you if you leave your job.
Stability: Avoid gaps in protection during career transitions.
Flexibility: Maintain coverage without new underwriting requirements.

Deductible premiums: Premiums may qualify as a business expense.
Financial efficiency: Thoughtful plan design can deliver benefits beyond basic coverage.

Employer benefit: Premiums may be deductible as a business expense.
Employee benefit: Benefits may be received tax-free, depending on plan design.
Cost efficiency: Protect employees while optimizing potential tax advantages.