Disability 2019-02-26T17:03:37+00:00


Disability plans are generally only offered through employer groups, and individual short-term disability policies are unheard of. Not only can we write individual short-term disability policies, but coverage costs our clients on average less than a dollar per day. In addition, our carrier includes a supplemental medical plan that helps cover costs associated with rising deductibles and copays on standard major medical health insurance plans.

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Our program SickPay Plus® pays you cash for up to six full months starting the first day you’re unable to work due to sickness or injury and are under a doctor’s care.

If your job benefits don’t include sick days, you know that being sick or injured can cost you. It may be possible to handle a day or two without pay. But what would you do if a major sickness or injury keeps you out of work for a week – or months? With our short term disability program through Combined Insurance you receive:

– Cash benefits paid directly to you (in addition to all other private insurance) – up to $1,500 per month depending on the coverage level you choose

– Day one coverage from the first day you’re sick* or hurt, are under the regular care of a doctor and Can’t perform your usual work duties,

– Up to 6 full months of coverage, depending on the nature and severity of the injury or illness

– 24/7 coverage, 365 days a year – for all occupations

– Protection that you keep even if you change jobs