Serving Small Businesses Nationwide
Disability Insurance protects a portion of your Employee’s regular pay by providing income replacement if there is a sickness or injury. Employers must explore options to protect employees from the financial hardship caused 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 who only need income support for a short 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's needs, whether that includes coverage for all employees or a carve-out for management. We can get you the right coverage to protect you and your business.