Group Life & Disability Insurance

The importance of group life, accidental death and dismemberment (AD&D) and short- and long-term disability benefits are often overlooked by employees – though only until these benefits are needed. Businesses can help employees protect their incomes and rebuild their lives after an unexpected event with Group Life and Disability Insurance products. We work with the top providers in the marketplace to give your company and its people the right combination of coverage.

A range of options for ultimate protection

Gallo|Thomas brokers work with you to structure a life and disability program where you pay all, part, or none of your employees’ premiums, depending on your company’s needs and goals. No matter what you choose, our claims management and customer support come standard.

Short-Term Disability

When employees are unable to work because of a temporary disabling injury or illness, short-term disability helps to safeguard their financial position.

Long-Term Disability

Long-term disability covers a health-related inability to work. You can select benefit amounts, determine how long benefits will be paid, and select other plan features. Features can include rehabilitation, work/life assistance, adaptive equipment when someone returns to work, partial benefits for part-time return to work, and more.

Combine disability insurance with life insurance to offer a comprehensive benefits package.

Group Life and Accidental Death & Dismemberment Insurance

Accidents don’t just happen to employees in dangerous jobs – they can happen to anyone. These policies help to protect the financial future of an employee’s family in the event of the employee’s untimely injury or death. The benefit amounts can be structured as a flat amount for each employee or, more commonly, as a multiple of the individual employee’s income.