Flexible employer-paid or voluntary short- and long-term coverage options

Optional benefits like Rehabilitation and First Day Hospital coverage

Specialized features like Student Loan and Family Care Benefits

Simplified management with payroll deductions and online tools

Seamless bundling with dental, vision and life plans

Income Protection When Employees May Need It Most

Without some form of income protection, many employees would face financial difficulty if they had to miss work due to illness, injury or pregnancy.1

Disability insurance provides partial income protection so employees can continue to support their families while they focus on recovery. It’s also easy to bundle with our group dental, vision and life insurance for seamless benefits management, coverage and support.

One in Four

of today’s 20-year-olds can expect to be out of work for at least a year because of a disabling condition before they reach the normal retirement age.2

How Disability Insurance Works

Disability insurance replaces a portion of employees’ income during a short- or long-term medical absence. It can play a vital role in alleviating stress when an unexpected life event disrupts an employee’s financial security.

The extra layer of protection that disability coverage can provide is increasingly appealing in today’s uncertain world and can help improve employee satisfaction and retention.3 Offering disability insurance can also help you avoid difficult decisions around compensation, such as when to stop paying an employee after their sick leave runs out.

With Renaissance group disability insurance, your employees can choose from plan options that fit their needs and budget. Plus, automatic payroll deductions and user-friendly online benefits management make the benefits experience seamless and convenient.

Group Disability Coverage

We make it easy for employers to customize their benefits offering with our Group Disability coverage. Our short and long-term disability plans can be offered on an employer-paid or voluntary basis, where the employee pays all or a portion of the monthly premium. This allows you to make a positive impact at little to no cost to your organization.

Group Short-Term Disability Insurance

Support your employees during life’s challenges. Short-term disability benefits provide partial income replacement for a limited period of time if an employee is unable to work due to a non-occupational injury, illness or pregnancy.

Weekly benefits are equal to a portion of the employee’s weekly earnings. Our plans can be offered on an employer-paid or voluntary basis, where the employee pays all or a portion of the monthly premium.

Features

  • Weekly income replacement options: 70%, 66-2/3%, 60%, 50%, 40% or flat dollar amount
  • Elimination period options: Zero to 60 days, including to the end of accumulated sick leave
  • Benefit duration options: 9-104 weeks*
  • Optional benefits such as:
    • First Day Hospital Benefit
    • No offset for State Disability Plans
    • Partial Disability Benefit
    • Pre-Existing Condition Limitation
    • Rehabilitation Benefit
    • Voluntary Plans
    • Work Incentive Benefit
    • 24-Hour Occupational Benefits

    *Benefits paid beyond 26 weeks integrate with Social Security.

Our voluntary short-term disability coverage provides weekly benefits equal to a portion of an employee’s weekly earnings (either 50% or 60%, as pre-selected by the employer).

Our voluntary short-term disability plan is also a smart choice for employers already providing state-mandated disability coverage, allowing employees to purchase additional valuable coverage that would not be available otherwise.

Group Long-Term Disability Insurance

With long-term disability insurance, you can offer your employees financial security and peace of mind in the event of a serious and prolonged disability.

Group long-term disability coverage takes over when short-term benefits end, providing income replacement for a longer disability that continues beyond three to six months.

Our plans can be offered on an employer-paid or voluntary basis, where the employee pays all or a portion of the monthly premium.

Features

  • Monthly income replacement options: 66-2/3%*, 60% or 50% (with partial/residual standard)
  • FICA Match Benefit
  • Rehabilitation Benefit
  • Workplace Modification Benefit
  • Early Intervention Services
  • Social Security Assistance
  • Optional benefits such as:
    • Accidental Dismemberment and Loss of Sight Benefit
    • Accumulation of Elimination Period (2X EP) Benefit
    • Terminal Illness Benefit
    • Revenue Income Protection Benefit
    • COLA Benefit
    • Education Expense Benefit
    • Recovery Income Benefit
    • Family Member Care Expense Benefit*
    • Infectious and Contagious Disease Benefit*
    • Medical or COBRA Premium Disability Benefit
    • 401(K) Plan Contribution Benefit
    • Special Conditions Limitation*
    • Catastrophic Disability (ADL) Benefit
    • Student Loan Repayment Benefit

* Not available in all cases

Renaissance voluntary long-term disability coverage provides monthly benefits equal to a portion of the employee’s monthly earnings (either 50% or 60%, as pre-selected by the employer).

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