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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.

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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

Short-term
Long-term
Benefit maximum
$250 per week for 13 weeks
$1000 per month until SSNRA
2-100 eligible lives covered
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Maternity leave/pregnancy covered
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Coverage for real life

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

Member

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.

Member

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.

Member

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

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Dental and vision insurance products underwritten by National Guardian Life Insurance Company (NGL), Madison, WI, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA). Dental policy form number NDNGRP 2020. Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in NY, DE, ID, LA, UT, OH, TX and NM. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products administered by Vision Service Plan Insurance Company. Vision Policy form number NVIGRP 2020. Life insurance product is underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Group Short-Term Disability and Long-Term Disability insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Life, Short-Term Disability, and Long-Term Disability products are not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness (effective 5/1/23) insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Products not available in all states.

National Guardian Life Insurance Company, Madison, WI, is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.

Nationwide and Beam Insurance Services LLC are separate and a non-affiliated companies.

National Guardian Life Insurance Company, Two East Gilman, Madison, Wisconsin 53703

Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215

Vision Service Plan Insurance Company, 3333 Quality Drive Rancho Cordova, CA 95670

There is no discount associated with the bundling of products.

Contact Beam

Start a conversation with Beam.

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