Life & Disability
Protect Your Team With
Smart Coverage PlansSupport employees with financial protection during life’s most unexpected moments
Income protection during crisesFamily financial security supportStrengthens employee trustLife Insurance Plans
Life Insurance Options For Teams
Provide employees with dependable financial protection options that support their families and offer peace of mind during life’s most uncertain moments
Employer Paid Life
Best plan for core coverage
Optional Life Coverage
Best plan for added flexibility
Accidental Protection Coverage
Best plan for extra protectionDisability Coverage Plans
Protect Income With Disability Coverage
Short Term Disability CoverageBest for temporary income protection needs
Short Term Disability Coverage
Best for temporary income protection needs
Short-term disability provides income replacement when employees cannot work due to illness, injury, or medical conditions, helping them manage expenses during temporary recovery periods.
Long Term Disability CoverageBest for extended income protection support
Long Term Disability Coverage
Best for extended income protection support
Long-term disability replaces a portion of income for employees unable to work for extended periods, ensuring financial stability during serious illness, injury, or long-term health conditions.
Coverage Overview Guide
What Life Insurance Coverage Protects For Employees
Learn how coverage supports families and protects financial responsibilities during unexpected events
How it Works
How Life And Disability Coverage Works
Understand how coverage activates, provides financial support, and ensures employees and their families stay protected during unexpected life events
Employees Enroll in Coverage
During open enrollment, employees choose the life and disability coverage that fits their needs. Employer-paid coverage activates automatically, and voluntary coverage can be added with premiums conveniently deducted from their paycheck.
Employees File a Claim When Needed
In the event of a covered illness, injury, or loss, employees file a claim with the insurance carrier. Their dedicated service team at Excel Benefits is there to help navigate the process and answer any questions along the way.
Employees Receive Their Benefit
Once the claim is approved, the benefit is paid directly to the employee or their designated beneficiary. Disability benefits replace a portion of the employee’s income during recovery, and life insurance benefits provide financial security for their loved ones — giving employees and their families the support they need when it matters most.
Why Businesses Choose Life
And Disability Coverage Plans
Build stronger teams with benefits that protect employees and families
Improve Employee Retention With Meaningful Benefits That Matter
Offering life and disability coverage shows employees you value their wellbeing beyond work responsibilities and daily tasks
When employees feel financially secure and supported, they are more likely to stay with your company long-term. These benefits help build trust, improve morale, and reduce costly employee turnover.
Financial Protection That Supports Employees During Difficult Times
Life and disability coverage ensure employees and their families are protected during unexpected life events
Unexpected events can create financial stress for employees and their families. Offering coverage helps provide income protection and financial stability, allowing employees to focus on recovery instead of financial pressure.
Offer Valuable Benefits Without Increasing Overall Business Costs
Flexible plan options allow businesses to provide strong benefits without adding financial strain
Life and disability plans can be structured to fit your budget while still delivering meaningful value. With employer-paid and voluntary options, businesses can balance cost and employee satisfaction effectively.Helpful Answers
Common Questions About
Life And Disability CoverageClear answers to help you choose the right coverage plan
Expert Consultation
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