Types of Coverage

Wage Protector Benefits


• Many Disability policies offer only partial income replacement

• This is supplemental to other Disability policies

Involuntary Unemployment

• Include as part of a comprehensive severance package

• Individuals are covered in case of lay-offs and qualified temporary or permanent shut-down


• A Salary Gap event occurs when individuals are rehired at a lower salary after involuntary unemployment

• Could reduce period of unemployment for workers • Could assist with career changes due to automation or outsourcing

No Thanks We Already Offer Disability Coverage 4

• No problem! This product is supplemental to any disability products these individuals already have. • This is a voluntary program for these individuals and there is no coordination of benefits.