The important role of disability insurance coverage

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Disability insurance helps to give employers and employees financial peace of mind when it’s needed most.

In today’s fast-paced and unpredictable world, businesses face a multitude of challenges, from economic uncertainties to an unexpected health crisis. One of the often-overlooked aspects of a comprehensive employee benefits package is disability insurance coverage. Far from being just another employee perk, disability insurance plays a pivotal role in safeguarding both employers and employees, helping to provide peace of mind and financial security when it’s needed most.

Guarding financial protection

When unexpected health issues arise, the last thing anyone should worry about is financial instability. Disability insurance acts as a safety net, ensuring employees continue to receive a portion of their income if they are unable to work due to an illness or injury. This financial stability not only supports employees but also fosters a sense of loyalty and dedication among the workforce.

Boosting employee morale and productivity

In the event of covered disability, disability insurance coverage can help employees focus on their work without the constant worry and anxiety of how they will make ends meet if the unexpected occurs. This sense of security can boost morale, increase productivity, and enhance job satisfaction, creating a positive cycle of well-being within the workplace.

Ensuring uninterrupted business operations

In the face of unexpected challenges, businesses need uninterrupted operations. Disability insurance plays a vital role in this scenario by providing a financial safety net that allows businesses to navigate disruptions without compromising performance. When an employee needs to take time away from work due to an accidental injury or sickness, the disability provider steps in, offering important financial support to the insured individual. This assistance can help safeguard the company’s bottom line and ensure that operations continue seamlessly.

Introducing Beam Disability powered by The Hartford

Recognizing the importance of disability insurance, Beam Benefits has partnered with The Hartford, a leader in group disability insurance coverage, to offer best-in-class short-term and long-term disability insurance plans. Beam Disability powered by The Hartford** provides a comprehensive range of benefits:

Tailored coverage plans

There shouldn’t be a one-size-fits-all approach to disability insurance coverage. Beam Disability powered by The Hartford offers customizable plan options, allowing employers to tailor benefits according to the unique needs of their workforce. From short-term to long-term disability insurance, employees can access the coverage they need, precisely when they need it.

Effortless administration

Beam Disability powered by The Hartford takes the complexity out of benefits administration. Simplified plan options ensure a seamless enrollment process, providing both employers and employees easy access to essential information.

Experienced support

Our speed and ease, coupled with The Hartford’s decades of experience in disability insurance and claims management, can help ensure a seamless experience for employees. Their dedicated team is always ready to assist, providing guidance every step of the way.

A future of stability and financial security

In a world where uncertainties are inevitable, disability insurance stands as a beacon of stability and security. By embracing comprehensive coverage plans like Beam Disability powered by The Hartford, employers not only help to protect their workforce but also invest in a future where resilience and well-being are at the forefront.

See rates on Beam Disability powered by The Hartford in your area. Click here to get started on a free quote.

**Short-term disability and long-term disability insurance products are underwritten by Hartford Life and Accident Insurance Company and marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA).

The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company, under the brand name, The Hartford®, and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. © 2023 The Hartford

THE DISABILITY POLICY PROVIDES LIMITED BENEFITS. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. In New York: This Disability policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.