Disability

Being positive is a great approach to life, but hoping for the best won’t cover expenses related to a disability. SWIM Inc. prefers to be prepared. We partner with you to understand your needs, risks, and goals in order to select disability coverage that will provide the most support in case of a disability. 

For employers, we suggest enhancing your existing voluntary benefits package by offering voluntary coverages to offset disability and workers’ compensation costs. This will not only sharpen your competitive edge when attracting, engaging, and retaining top-notch employees, but studies show voluntary coverage could also reduce workers’ compensation claims and employee absenteeism. 

Voluntary benefits are insurance products offered through a company, but are paid partially or solely by employees on a payroll-deducted basis. Voluntary benefits products include wellness programs, tuition savings, life insurance, and many more.

Short Term Disability Insurance

A physician-documented disability often results in a loss of income. Our short term disability insurance pays benefits (i.e., a monthly amount that is a percentage of your gross income) for a period of time while you are disabled. A SWIM team member will help you select the right amount of disability insurance benefits for your needs, as well as the length of time they are payable.

Long Term Disability Insurance

Long Term Disability insurance replaces a portion of your income during an extended period of a disabling illness or accident. By providing a steady stream of income while you are unable to work, Long Term Disability insurance can help you meet your financial obligations. SWIM offers Long Term Disability insurance through employers and also directly to individuals.

For a group or yourself, contact us today to discuss coverage options.