Group Disability Insurance

Prepare your employees and strengthen their income
The chances that your employees will face long-term disabilities may be greater than you realize.

Consider these statistics:

Someone suffers a disabling injury every 9 seconds1
Almost 73 percent of disabling injuries occur off-the-job1
Nearly 50% of all personal bankruptcies and mortgage foreclosures are attributable to debilitating injuries and illnesses2
Insure their well-being with Group Disability Plans
Most people aren't prepared to cover their daily living expenses, let alone ongoing financial obligations, if a disability would prevent them from working. Group Disability Plans can help provide peace of mind for your employees and their families.

Nationwide offers employers a choice of group Short-Term Disability and Long-Term Disability Plans to help them select the best option for their employees.

Provide Rehabilitation and Return-to-Work Incentives
Getting back to work is critical for employees, their families and their employer. That's why we've worked hard to build flexible plans that help benefit everyone involved.

Our Long-Term Disability Plans include features and services that make it easier for employees to return to work while improving their overall health and well-being.

Rehabilitation and Return-to-Work Incentives include:

Workplace modification
Rehabilitative services
Social Security coordination assistance
Work Incentive benefit
Optional Long-Term Disability Benefits
These optional Long-Term Disability benefits and services may be added to enhance base plans:

Personal Care Assistance Benefit (standard for plans with 5+ year duration)
Dependent Care Benefit
Extended Care Benefit
Education Benefit
401k or Pension Plan Contribution Benefit
Escalation
Conversion
Spouse Disability
Catastrophic Disability Benefit
1 National Safety Council, Injury Facts, 2009

2 Health Affairs Website (healthaffairs.org), 2005