Serving Rochester, New York State & Beyond

Disability Insurance protects a portion of your Employee’s regular pay by providing income replacement if there is a sickness or injury. It’s crucial for employers to explore options to protect employees from the financial hardship cause by a disability.

Optima’s portfolio of solutions includes:

  • Statutory New York State DBL (Enriched benefits also available), and Paid Family Leave.- Also provide pay as you Go DBL/PFL through Shelterpoint.
  • Short-term disability- Provides coverage for up to two years and is best served for those that only need income support for a short period of time. 
  • Long-term disability- Provides coverage for an extended amount of time and will typically last until age 65 to 70.

We tailor plans to fit your company needs, whether that includes coverage for all employees or a carve out for management. We can get you in the right coverage to protect you and your business.
Contact us to review your options