PFSI offers both long-term (LTD) and short-term (STD) group disability coverages. These can be very cost effective supplemental coverage to offer your employees.
We offer guaranteed-issue LTD for our professional clients. This means no exams, no medical underwriting, and no exclusions due to health. Additionally, the rates for this special program are about one-third the cost of typical high-quality individual programs.
We also offer guaranteed-issue STD. This type of disability coverage can pay for itself with a just one employee or owner who is planning on starting a family and is looking for income replacement while on maternity leave.
Contact us today to find out how we can help you find the right LTD and STD coverage for your business!