Group Life Insurance, Long Term Disability Insurance, and Short Term Disability Insurance In Parkersburg, Morgantown, Huntington, Beckley, Charleston, WV, and the Surrounding Areas

With offices in Charleston, West Virginia and Palm Beach, Florida, our insurance agents at Mark E. Snapp & Associates proudly serve our neighbors in West Virginia and Palm Beach. We help small business owners find appropriate life and disability insurance for their employee benefits packages.

Group life insurance is a benefit that can help attract and retain employees. We work with several different insurers to offer group term life policies. Employees can get affordable or no-cost life insurance coverage for the duration of the term while employed by your company. Your insurer can even withdraw employee premiums directly from their paychecks.

Unlike personal life insurance policies, group life insurance doesn’t require a medical exam or a medical history for employees to qualify. Instead, group life insurance is a guaranteed issue, so any employee who signs up for the benefit will get a life insurance policy.

Short-Term Disability Insurance

Short-term disability insurance covers an employee who is unable to work for a short period, usually three to six months. Some insurance providers may offer short-term disability coverage for up to one year.

Disability benefits include payments to replace some of an employee’s disability income that they would miss from time off work. Short-term disability may cover time off due to pregnancy complications, childbirth, recovery from surgery, or a prolonged illness.

Long-Term Disability Insurance

When an employee uses up their short-term disability coverage, they have coverage from their long-term disability insurance policy. These policies generally cover more serious injuries and illnesses, including mental health conditions, cancer, and severe injuries.

Most long-term disability insurance has a reasonable coverage period. Policies might limit beneficiaries to receive long-term disability benefits to a certain number of years, until the beneficiary can return to work or until the beneficiary turns 65.