Group Long-Term Disability Insurance for West Virginia Employees

An unexpected illness or injury can prevent an employee from working for an extended period, leading to significant financial hardship. As a responsible employer in Beckley, West Virginia, offering Group Long-Term Disability (LTD) insurance through Songer Insurance demonstrates your commitment to your team's financial well-being. Group LTD provides crucial income protection, helping employees manage their expenses if they are unable to work due to a qualifying disability.

What is Group Long-Term Disability Insurance? 

Group Long-Term Disability insurance is an employer-sponsored benefit designed to provide employees with income replacement if they become disabled and cannot work for an extended period (typically longer than 90 or 180 days, after short-term disability benefits, if any, are exhausted). The policy pays a percentage of the employee's income, helping them cover living expenses while they recover.

Why Offer Group Long-Term Disability Insurance? 

Integrating Group LTD into your benefits package offers valuable advantages for your Beckley-area business:

• Attract & Retain Top Employees: LTD is a highly valued benefit that enhances your competitiveness in the West Virginia job market.
• Protect Your Workforce: Provides a vital safety net, reducing financial stress for employees facing long-term health issues.
• Increase Productivity & Loyalty: Employees feel more secure and valued knowing this protection is in place.
• Manage Costs: Group rates are generally more affordable than individual disability policies.
• Demonstrate Corporate Responsibility: Shows a strong commitment to employee welfare.

Benefits for Your Employees 

For your employees, Group LTD offers essential protection:

• Income Replacement: Provides a steady stream of income (typically 50-70% of pre-disability earnings) during a qualifying disability.
• Financial Stability: Helps cover essential living expenses like mortgage/rent, utilities, and groceries when they can't earn a paycheck.
• Peace of Mind: Reduces financial anxiety associated with long-term illness or injury.
• Affordable Access: Group purchasing power makes this crucial coverage more accessible.

Why Choose Songer Insurance for Group LTD? 

Songer Insurance is your local Beckley partner for employee benefits, serving businesses throughout West Virginia:

• Local Presence, Statewide Reach: We understand the unique challenges and opportunities for WV businesses.
• Independent Expertise: We access plans from various carriers to find the right fit for your budget and needs.
• Personalized Consultation: We work directly with you to design a plan that aligns with your company goals.
• Cost-Effective Solutions: We focus on delivering value and finding affordable disability insurance options.
• Dedicated Support: From plan selection to claims support, we're here for you and your employees.

Secure Your Team's Future Today! 

Don't leave your employees' financial security to chance. Explore how affordable Group Long-Term Disability insurance can strengthen your benefits package and protect your team. Songer Insurance is ready to help businesses in Beckley, Southern WV, and across the state.