Capital Insurance Group: Offer Disability Insurance Options

Capital Insurance Group offers fully funded plans for employers as well as voluntary and employer paid group plans. Providing Voluntary Group Disability benefits is a way of offering coverage with very little economic impact on a company’s benefit package.

Group disability insurance provides income protection for employees as well as cost-saving management strategies for employers. For employers, lot time on the job due to a disability can significantly impact workplace productivity and profitability. However, disability insurance provides partial replacement of lost income for employees while also covering overtime and costs of hiring replacements.

The Choice Is Yours

We offer various disability plans you incorporate in your benefits program:

  • Short Term Disability (STD) – Insurance coverage that can help employees remain financially stable should they become injured or ill and cannot work. Coverage can allow employees to continue to receive pay at a fixed weekly amount or a set percentage of income between a period of usually 10 to 26 weeks.
  • Long Term Disability (LTD) – Type of insurance that pays the employees a set percentage of their income after a specified waiting period, after the STD policy is exhausted. LTD insurance protects workers in the event they become disabled for a prolonged period prior to retirement.

We also offer fully funded for employers as well as voluntary and/or employer paid group plans. Providing Voluntary Group Disability benefits is a way of offering coverage with very little economic impact on a company’s benefit package.

We’re your trusted partner.

Our 35-year history of providing superior services and professionalism has established us as a leading agency in Southeast Michigan. Our “Crain’s Detroit Business” listing of “top agencies” is testimony to our commitment to you. We also give back to the communities we serve, contributing 1% of our revenue to a number of local charities. Capital Insurance Group has the experience, expertise and passion to help protect you against the exposures you face individually and professionally. We provide a broad portfolio of personal, business, and employee benefits solutions and would like the opportunity to show you how we can make difference in the way you see insurance. Give us a call at (248) 333-2500 to discuss your specific needs.