Disability plans to cover the unexpected
Our short- and long-term disability coverage gives members and employers peace of mind, providing financial protection to employees who are unable to work due to injury or illness.
What to expect
Short-term plans offer financial support for up to 13 weeks following an accident or diagnosis that causes a member to be unable to work
Maternity leave is covered by short-term plans
Long-term plans offer financial support to a member unable to work for an extended period of time due to illness or injury. Coverage begins after 90 days and lasts the duration of disability or until SSNRA.
Standard plan features
Coverage for real life
Accident at home
While cleaning out the gutters of their home, Jordan tumbled from the ladder and broke their leg. Now, they’ll be out of work for at least 8 weeks to recover.
Fortunately, Jordan’s benefit package includes Beam's short-term disability plan, which covers $250 per week for up to 13 weeks. That gives Jordan plenty of time to focus on recovering.
After years of trying to conceive with her partner, Sarah is welcoming her first child this fall!
Lucky for her, benefits through her employer include Beam's short-term disability plan, which provides coverage for extended maternity leave ($250 per week for up to 13 weeks). Her Beam coverage will help ease the financial burden of medical care while Sarah is off work, allowing her to focus on the newest member of their family.
When a car accident left Don permanently disabled, his first thought was, “How am I going to continue to support my family?”
Don and his wife reviewed their long-term disability coverage. They were relieved to learn that Don’s employer-paid Beam plan provides coverage for extended disability. Don and his wife will be supported by the plan until Don reaches Social Security Normal Retirement Age in four years. Now, Don has peace of mind, knowing he can focus on his health and his family without additional financial burden.