Serious Disability for Brokers

Serious Disability can open the doors to companies you've never been able to reach before, and it's quick and easy to sell.

How is Serious Disability different from other plans?

Serious Disability is an innovative blend of short- and long-term disability coverage that is new to the industry and exclusively offered by Assurant Employee Benefits.  Benefits commence on the first day, and can continue to age 65 for qualifying disabilities. There's no need to administer separate short- and long-term plans.

Serious Disability has several powerful benefits:

• No industries are excluded from coverage
• One premium rate for all ages, all areas, all industries
• An affordable starter plan for small businesses

What types of disabilities are covered?

Serious Disability covers disabilities incurred on and off the job, 24 hours a day. Even pre-existing conditions are covered.

And small businesses can afford it?

Yes. A “serious disability” is defined by an initial 72+ hour hospital stay or terminal diagnosis after becoming insured, followed by our patent-pending impairment rating definition.

It sounds like an easy product to sell.

It is, because it fills a clear need for both employers and employees. It's easy for you to work with because you don't need a census to quote and there are no health questionnaires to collect. All you need are 10 enrolled lives. It's easy to explain, because the rate is the same for all employees.

Our commitment to you.

Being a broker with us means a partnership with one or more of the most flexible, proactive carriers in the business. It means an understanding of your needs and your clients' needs through a combination of knowledge, expertise and unique, innovative benefits solutions.

We are dedicated to helping you build customized benefits solutions that will differentiate you by providing more value to your customers.

Please contact your Assurant Employee Benefits sales representative in your area for more information.