Disabilities which affect an individual s ability to earn an income, either temporarily or permanently, are more common than you think.

• In a year, one in 13 working people will suffer some type of temporary, lasting one week or longer, caused by an accident, sickness or pregnancy complications (1).
• Nearly one in five working people ages 35 to 65 will suffer a catastrophic disability lasting five years or longer (2) .

Knowing this, it is no wonder that employees rank disability insurance as the second most desired employee benefit, behind only medical coverage (3). With the frequency at which disabilities occur, long-term disability insurance for catastrophic disabilities and short-term disability insurance for temporary disabilities is a necessity for valued employees.

Providing disability insurance can benefit employers as well. It can be a relatively inexpensive element of a complete benefits package, which may help attract and retain skilled employees while creating good will and loyalty. Employee productivity may even increase due to the peace of mind disability insurance can bring. Realizing that disability insurance is a necessity for you organization is a very important first step. The second step, choosing a disability provider, is equally important. All disability insurers, their products and their services, are not the same. BWE Insurance can assist you in discerning the difference and choosing the best provider for your company.