plus icon

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.

circle down arrownurse helping patient
desability icon

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.

Plan options

Benefit maximum
$250 per week for 13 weeks
$1000 per month until SSNRA
2-100 eligible lives covered
check icon
check icon
Maternity leave/pregnancy covered
check icon

Coverage for real life

These examples illustrate how employers and their teams benefit from Beam’s disability plans.


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.


Expecting employees

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.


Long-term disability

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.

A bigger portfolio. Better benefits.

Explore our full portfolio of ancillary benefits and bundle coverage to fit your team.
Contact Beam

Start a conversation with Beam

Contact Beam

Start a conversation with Beam

Thank you!
Your submission has been received!
Something went wrong. Please try again

Actual coverage and costs may vary. Check your dental plan to see what services may be covered.

To comply with federal privacy laws and to ensure the protection of our members, any communication that may include protected health information must be sent through an secure channel. Please use an a secure method when responding to this email.

No items found.
Contact Beam

Start a conversation with Beam.

Thank you!
Your submission has been received!
Oops! Something went wrong while submitting the form.
Already contacted support about this issue? Please include the reference number here
To access your digital insurance card:
  • Log in to your Beam account
  • Click “Plan info”
  • Select your option on the right to print or view your card. You can also request a physical card.
Please use the provider portal for 24/7 access to patient eligibility information. You can also call us at 800-648-1179 and select “1" to use our virtual agent fax back option.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Want to talk over the phone?
Give us a call at 1-800-648-1179.