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Group Life and Disability Group life and disability coverage is an affordable way to help employees feel covered. We offer the following products:

•  Term Life — Term life insurance with various coverage options, such as:
  • The same flat amount of coverage for all employees,
  • Coverage based on a multiple of employees’ salaries, or
  • Different levels of coverage depending on employees’ classification
• Accidental Death and Dismemberment (AD&D) — Provides lump sum cash benefit for a death or dismemberment due to accident only, on or off the job.
• Dependent Life — Term life insurance at low group rates for spouses and dependent children of employees.
• Short-Term Disability — Pays benefits for employees when their income is temporarily interrupted by an accident or sickness.
• Long-Term Disability — Provides income protection for employees, as well as support and assistance to help impacted employees return to work.

These products can also be purchased on a voluntary basis, which means the employee pays the full cost of the premiums.

These products are underwritten by Fort Dearborn Life. Questions on this specific product can be directed to Midwest Benefit Consultants at 800-383-9715.