Disability coverage provides income replacement for employees who are unable to work due to an illness or injury which has rendered them disabled either temporarily or permanently. Employers looking to offer disability protection have a multitude options with regards to waiting periods (time period before income replacement begins) , percent of income levels (50%, 66%, 75% of salary) and how long benefits last. Generally, a program can be developed to meet every employers needs. Two (2) Disability coverage options are available:

• Short-Term Disability
• Long-Term disability

ECA can provide Disability benefits through numerous avenues such as conventional insurance, partially self-funded programs, public entity pools or captive insurance arrangements.