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Income protection when you can't work.

Disability insurance can replace part of your lost income when illness or injury keeps you from working, so you can focus on recovery.

Small business owner in an apron in her studio

Disability

Short-term and long-term coverage.

Short-term disability covers temporary conditions that keep you from working, such as minor injuries or maternity leave. Benefits are paid as a percentage of your weekly earnings.

Long-term disability protects against extended absences from severe or chronic conditions. Benefits are paid as a percentage of your monthly earnings and can continue for several years, depending on your situation.

What you get

Financial support during recovery.

Short-term benefits

Up to 60% of your basic weekly earnings, with a maximum monthly benefit of $1,500.

Long-term benefits

60% of your monthly earnings, with a maximum monthly benefit of $5,000.

A dedicated claim analyst

Expert help through the claims process.

Pretax payroll deduction

Premiums come directly out of payroll pretax, and group pricing makes coverage more affordable.

Ready to hand off HR and payroll?

Build a plan for your team with a Buoy navigator.