Protect Your Paycheck When Life Gets in the Way

At Braaten & Company, we help businesses build employee disability insurance programs that keep workers protected when illness or injury strikes. A solid benefits plan includes income protection, and we make it easy to find the right fit for your team. Call us at (320) 200-1208 to get started.

What Disability Insurance Actually Covers

Disability insurance replaces a portion of an employee's income when they cannot work due to a covered illness, injury, or medical condition. It is one of the most overlooked pieces of a strong benefits package, yet it can be one of the most impactful.

There are two main types of coverage to consider:

  • Short-term disability covers a portion of lost wages for a limited period, typically a few weeks up to six months.
  • Long-term disability kicks in after short-term coverage ends and can provide income replacement for years, or even until retirement age.
  • Group disability plans are often more affordable than individual policies and can be fully or partially employer-paid.
  • Coverage is flexible and can be customized based on your workforce size, industry, and budget.

Why Employers Should Offer Disability Benefits

Group disability coverage gives employees added financial security when they need it most. If an unexpected illness or injury keeps them from working, this benefit can help protect their income and provide greater peace of mind.

For employers, it also reduces the pressure of informal arrangements and sets clear expectations. A structured plan protects both sides and demonstrates a genuine commitment to employee well-being.

Frequently Asked Questions About Disability Insurance

  • What is the difference between short-term and long-term disability insurance?

    Short-term disability replaces income for a brief recovery period, usually up to six months. Long-term disability takes over after that and can last for several years depending on the policy.

  • How much does group disability insurance cost for a business in Minnesota?

    Costs vary based on the number of employees, benefit amount, and plan design. Braaten & Company will shop available options and present plans that fit your budget.

  • Do employees pay for disability insurance, or does the employer?

    Plans can be structured either way. Employers can pay the full premium, share the cost with employees, or offer it as a voluntary benefit at no cost to the business.

  • Can I add disability coverage to an existing benefits package?

    Yes, disability insurance can be added as a standalone benefit or bundled with your existing medical and life insurance plans.

Ready to Add Income Protection to Your Benefits Plan?

Disability coverage gives your employees peace of mind and your business a competitive edge. Braaten & Company, serving Minnesota, is ready to help you build a plan that works.

Call us at (320) 200-1208 to schedule your consultation today.