If an employee suffers a disabling accident or illness, the financial consequences can be quite serious. According to the Council for Disabilities website, the risk of disability during the working years is ever-present; almost one-third of Americans entering the work force today will become disabled before they retire. The AIA Trust has worked with Unum to create a disability plan specifically for AIA Members and their firms.
Many people think “it won’t happen to me.” But there is a false sense of security when it comes to the risk of becoming disabled due to an illness or injury. Social Security or Workers’ Compensation will not cover the necessary day to day expenses. Most things in life depend on the ability to earn an income including your mortgage, child care, and daily living expenses.
An important part of retaining valuable employees is helping them secure to protection against the financial risks and uncertainty that surrounds a disability. With the help that disability coverage provides, you can protect your firm’s employees get through tough financial times until they are back on their feet. In return, you help your firm retain its best talent.
The AIA Trust has worked with Unum to create a plan specifically for AIA Members to help with tough financial times when a member or employee is disabled and unable to perform the duties of the profession. Considering the cost of lost wages due to long term illness or injury, your employees will value having disability coverage.
Important benefits of the AIA Trust – Unum policy are:
- Your firm can secure coverage for all of its employees that can pay up to 60% of gross monthly income up to $6,000 per month.
- Based on what makes the most sense for your firm and employees, you can offer the coverage as employer-paid, employee-paid or a combination of both.
- Coverage is available to you and all of your employees at very competitive group-rated premiums which can prove to be a smart and money-saving solution to protect your employees’ well-being.
- Each employee is guaranteed acceptance and no medical exams are required.
A firm can easily find out the affordability of the coverage by completing a free Rate Quote and Proposal Request Form on the AIA Trust website.
The AIA Trust Insurance Program offers a money-back guarantee if you change your mind about coverage in the first 30 days. Simply return the Certificate of Insurance, without claim, and the Trust will promptly refund your premium, no questions asked.
The AIA Trust Group Firm Long Term Disability Income Insurance Plan is underwritten by Unum. All benefits are subject to the terms and conditions of the policy.