There are numerous types of disability insurance available; you simply have to find the one that best meets your needs. If you want to learn more about the types of insurance available, here are some of the options.
- Blue Cross Blue Shield
Blue Cross Blue Shield has a variety of features in their package that include life and disability products. These products are typically available through a third party contact such as Dearborn National. Blue Cross Blue Shield offers group short-term disability and group long-term disability. Along with these products, companies may also provide group critical illness and other products. One of the best features of this product is telephone and face-to-face counseling. Blue Cross Blue Shield is one of the best disability providers in the industry.
- MetLife Disability
MetLife knows that one of your most valuable assets is your income. If you cannot work because you're injured or sick, disability insurance can help to help you maintain your standard of living even when you're out of work. MetLife insurance will help you pay bills such as car payments, tuition, mortgage, clothing, food, and utilities. If you want to plan for future events, MetLife disability is the best solution. They have both long-term and short-term disability insurance policies.
- Cigna Disability Insurance
Cigna differentiates itself by highlighting its "early identification and intervention model." They do this through "comprehensive case management and extensive return-to-work" support, which will help to prevent most long-term disabilities. Family and Medical Leave Act (FMLA) absence and health coaching programs are a part of the early identification and intervention model, which is more of a holistic approach. Cigna offers short-term disability and options to stay at work and engage in vocational rehabilitation.
Cash Accumulation Fund (CAF) is another option for people who need help planning for unfortunate events in the future. Life insurance protection is also combined with disability insurance. It is available to companies with 500 or more employees. This company has a broad portfolio with numerous value-add programs that will support the wellness of every person enrolled.
- United Healthcare
Disability care with United Healthcare is listed under the Specialties Benefits. The coverage includes short-term disability and long term-disability. There is also coverage for voluntary disability that encourages employees to purchase disability coverage on their own through payroll deduction. Leave management services are also a part the of the disability care coverage. This may include paid time off for bereavement, vacation, sick leave, military leave, or jury duty.
