Disability Insurance

Pontrelli, Timour & Associates Group Disability Insurance & Benefits

Pontrelli, Timour & Associates offers competitive group disability benefits that can accommodate the employee group benefit requirements of your company. Group disability insurance for your employees is essential. After all, your car is insured, your home is insured, your dog is even insured, but your income and the income of your employees aren’t? Why are people’s paychecks so often neglected when they are so important?

Disability insurance in California provides temporary financial benefits to eligible employees who are disabled by off the job injuries, illnesses, or pregnancy. You can choose from state plans, voluntary plans or elective coverage. Pontrelli, Timour & Associates offer a wide range of both short-term and long-term disability insurance options.

There is a clear reason why disability insurance is so important. Disability insurance can protect your family and your business if you are injured or become sick and are unable to work. Disability policies cover a specific “benefit period” (two year, five years or to age 65) that you select at the time of purchase. Occupation is one of the key factors in determining the premium of a disability policy. White Collar occupations have lower risk generally than Blue Collar occupations and tend to have lower premiums.

In California, companies are not required to offer employees group disability insurance. California businesses that supply disability benefits have an advantage over those who don’t. The reason behind this advantage is that disability insurance is a benefit that employees and potential employees take into account when choosing where they want to work. Based on your company’s group disability requirements and the needs of your employees, Pontrelli, Timour & Associates has a solution for you.

If your organization is unable to consider one of our group disability options; we strongly recommend you have one of our representatives offer your employees AFLAC. It is completely voluntary, and your employees will appreciate having the option to protect themselves. Such voluntary options make sense when group disability is not a part of the tailored package we design for your company.

To find a disability solution that makes sense for your business, please contact Pontrelli, Timour & Associates at 626-795-4138 or click here for a free consultation.