Disability & Long-Term Care

Generally offered as voluntary products, disability and Long-Term Care policies can be valuable add-ons for your employees.

Short-Term Disability

If you become temporarily disabled, Short-Term Disability coverage will pay a percentage of your salary. Both sickness and injury are covered by short-term disability.

Top Causes of Short-Term Disability*

  • Pregnancy (21%)
  • Back injuries (6%)
  • Other injuries (10%)
  • Digestive/Intestinal disease (7%)

Long-Term Disability

Long-Term Disability begins where Short-Term Disability ends. Long-Term Disability will pay a portion of your salary for two years, five years, or until you are 65, depending on your policy. The leading cause of Long-Term Disability is cancer.*

Long-Term Care

Long-Term Care policies can help pay for medical needs later in life, like in-home care, assisted living, visiting nurses, and nursing home care.

*Provided by Unum Group

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"GBL's services are always very informative and straight to the point. They are willing to explain the health coverage to each of our employees and answer all of their questions."

Maureen –
Small Business Owner