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MICHAEL S. COHEN
SVP / Partner
THE D.B.L CENTER LTD.
ADVERTORIAL
Your Personal Concierge
Let us market your client’s benefits with our preferred partner carriers and provide enhanced benefit options with the savings. Give us a call so we may arrange your RFP, recommend alternative enhancements and procure the most competitive proposals which you may present to your client.
631.293.5100
WWW.DBLCENTER.COM
WWW.INSURANCEWHOLESALER.NET
Long Term Disability, Group Life/AD&D, Short Term Disability, Dental, Voluntary Plans, Training, Educating and assisting the brokerage community write Statutory and Group Ancillary benefits since 1976. A sudden medical illness or injury could leave employees without a necessary financial safety net. The truth is that many people may not have the savings and funds necessary when confronted with either a Short Term Disability or a Long Term Disability. Fortunately, in today’s competitive workplace, employees are taking more responsibility than ever before to secure the necessary disability insurance benefits for their family’s protection.

Short ...
... Term Disability Insurance Programs and Long Term Disability Programs offer an important benefit that employers make available to their employee. Disability puts one’s ability to earn a living at risk while impacting not only the employee as an individual but also impacts family members who worry about the medical problem or injury, the treatment and ponder how the family is going to make ends meet to make not only current expenditures but future financial needs.

Defining Short Term Disability and Long Term Disability
Short-Term Disability Insurance kicks in as soon as an employee or individual is unable to work due to a medical illness or injury. The wisest employees are cognizant of the short term financial needs of the employee and provide some type of coverage, ranging from just a few days to as much as one year. In some cases, the length of time an employee is entitled for this benefit is based set criteria such as the number of years of employment. In most instances, the longer the service of employment, the larger the Short Term Disability payment.

Long-Term Disability Insurance usually goes into effect once Short-Term Disability Insurance benefits expire. Unfortunately, there are not enough state laws that mandate employers to provide long-term disability, but many mid to large sized firms who care about their employees do often this fundamental insurance benefit. Voluntary Disability Insurance Benefits enable employees and individuals to take charge of their lives. An injury or illness no matter how small to catastrophic that leads to disability can change an individual’s life and the lives of their loved ones forever. To find out how to best offer these fundamental Disability Insurance Programs, Visit www.InsuranceWholesaler.net or contact us personally at the DBL Center to customize Your Wholesale Long-term Disability Insurance Benefits Program or Short Term Disability Insurance Benefits Program.