Policy Agent has you covered

Business Solutions  insurance is offered to protect our customers’ health and wallets. Our individual disability products—to help provide peace of mind and security to your business and extend vital coverage to you and your employees. 
Call us for a quote or questions regarding  insurance options for  business   at 713-369-0997



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Disability Income Insurance for Employees

The value of disability income insurance

The ability to earn an income is an employee’s most important financial asset, but often times overlooked – which can result in loss of income, independence and financial security.

Our disability income insurance policies can assist by replacing a portion of an employee’s income if they become hurt and can’t work. Plus it helps give them peace of mind so they can recover faster and get back to work sooner.

We offer an array of flexible plan designs, friendly, receptive claims staff, experienced disability management teams and resources that ease benefit administration.

How disability income insurance works

Designed with employers and employees in mind

Employer Benefits

  • Definition of disability – regular occupation definition, plus own occupation/gainful occupation variations
  • Mutually Progressive Partial with a 99/85 percent earnings test (regular occupation/gainful occupation)
  • Multiple  options
  • Credit towards pre-ex periods for new hires covered under their prior employer’s plan
  • Vocational rehabilitation and reasonable accommodation
  • Lifetime work incentive benefit

Employee Benefits

  • Seamless transition to long-term disability when short-term disability ends
  • Peace of mind to help focus on recovery
  • Cash benefits to help pay bills
  • Replaces a percentage of salary (usually 50 to 60 percent)
  • Premium waived while receiving disability benefits
  • If portability is included, coverage is fully portable when an employee is no longer eligible under the policy**

Optional Features and Services**

  • Survivor Benefit
  • Portability
  • Cost of Living Adjustment
  • Retirement Income Protection Benefit
  • Child Care/Family Care Benefit

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