Protects income if you’re unable to work due to illness or injury

Offers both short-term and long-term options to support recovery

Helps safeguard your financial security during challenging times

Provides peace of mind with a steady income stream while you heal

Protect Your Financial Future with Disability Insurance

Disability insurance helps protect your income if an illness or injury keeps you from working, offering financial support when Worker’s Compensation doesn’t apply. By covering a portion of your income, it helps you keep up with daily expenses and maintain your lifestyle—even when life takes an unexpected turn. If you rely on your paycheck to cover essentials, disability insurance can be a valuable safety net.

Wondering if you need disability coverage? The reality is that disabilities can happen to anyone, anytime. Conditions like pregnancy, injuries, heart disease, neurological disorders, and chronic illnesses are common reasons people make disability claims. Disability insurance is here to help you stay financially secure through whatever life may bring.

Disability Insurance Plans for Employees

Renaissance offers short-term and long-term disability insurance plans for employers and their employees. These two types of disability insurance can work together to provide partial income replacement if you get too sick or injured to work.

Grandmother, mother, and young son outside, eating cantaloupe wedges with their hands.

Short-term disability insurance replaces a portion of your paycheck if you have to miss work due to illness, injury or pregnancy. While you recover, you’ll be able to have peace of mind and focus on your health with reduced financial strain.

Group short-term disability plans include:

  • Weekly income replacement choices: 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.*

Plus, optional benefits to support your recovery 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.

Long-term disability benefits usually begin when short-term disability benefits end, and provide additional income protection for an extended period of time if you are still unable to work. To qualify for coverage, conditions typically need to be severe enough to prevent you from performing the essential duties of your occupation for an extended time.

Group long-term disability plans include:

  • Monthly income replacement choices: 66 2/3%, 60% or 50% (with partial/residual standard)
  • FICA Match Benefit
  • Rehabilitation Benefit
  • Workplace Modification Benefit
  • Early Intervention Services
  • Social Security Assistance

Plus, optional benefits to support your recovery 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

* Benefits paid beyond 26 weeks integrate with Social Security.
† Not available on all cases.

Voluntary short-term and long-term disability insurance lets employees enhance their coverage beyond the standard employer-sponsored plan by purchasing additional protection. This optional coverage can be tailored to meet individual needs, providing extra security if desired. If your employer offers group disability insurance, consider adding voluntary coverage to ensure the right level of support.

Group Voluntary Short-Term Disability

  • Coverage protects employees against a short-term sickness or injury by providing weekly benefits equal to a portion of an employee’s weekly earnings (either 50% or 60%, as pre-selected by the employer).
  • Pregnancy is treated as any other sickness.

Group Voluntary 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.
  • Monthly benefits are equal to a portion of the employee’s monthly earnings (either 50% or 60%, as pre-selected by the employer).

Already Have Disability Insurance Through Renaissance?

Renaissance makes managing your benefits easy and accessible. View your benefits, get support, or access our FAQ and help resources anytime.

MANAGE COVERAGE

EXPLORE DISABILITY INSURANCE FAQS

GET HELP USING YOUR COVERAGE

A man and a woman sitting at a desk in an office, reviewing documents together.

Ready to Enroll?

Reach out to your employer or benefits manager to learn about the disability benefits available to you. For more information on getting started, explore our enrollment guide.

Get the Benefits Basics

Find out how to select the right employer benefits to support your health, finances and future.

Smiling male and female coworkers standing next to each other, holding one tablet, with the man pointing at the screen.

Managing Your Benefits with MyRenBenefitsManager

Our group member portal makes managing your coverage simple, secure and stress-free.

A person looks at a benefits portal on a laptop with benefits paperwork spread out on the desk.

The Value of Ancillary Benefits

Whether shopping for coverage or considering employer benefits, ancillary benefits are an investment in your physical and financial health.

Family of four on a couch, all wearing glasses. Daughter hugs dad’s neck; son hugs mom’s neck.

See FAQs

Find a Provider

Get Help