International Disability Insurance

Protect your employees and business with international disability insurance

Long term international disabilityinsurance is designed for employees who suffer a sickness or accident which prevents them from working. You never know when illness will strike, or when an accident may occur - especially if it happens as a result of something beyond your control. Nobody expects to need international disability insurance - but if they do, and a good comprehensive international insurance policy is in place, it's one less thing for you to worry about.

International disability insurance will pay a monthly income after a waiting period, until the employee returns to work. This allows for full recovery, and the ability to return to work as a fully productive member of the team.

What are the advantages our international disability insurance?

Good employment benefits can make the difference between keeping your key staff and losing them to a competitor, but there are many advantages both for you as an employer and for the staff that receive them.

International disability insurance for the employer:

• You can recruit the best candidates - and keep them.
• You will provide security and transfer the risk without putting an unacceptable strain on company resources.
• You can usually claim the costs as a business expense.
• You can start an international disability insurance policy quickly, with minimum paperwork and with little time or cost involved in administration.

International disability insurance for the employee:

• The biggest benefit for most employees is peace of mind. To know that their financial security and their dependant's are provided for is beyond price.
• Should they have to claim, any lump sum payable is normally free from tax.

What cover does international disability insurance provide?

You are free to select the level of international insurance benefit for your employees, such as a fixed sum or a multiple of salary.

Your final decision may be driven by cost, but other factors will inevitably have an influence:

• your employees' expectations,
• the employment philosophy of your organisation,
• your company's desire to provide a realistic benefit,
• the disability insurance cover provided by your competitors.

We're delighted to answer any questions you have about international disability insurance.

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