Broken leg Choosing a short-term disability plan that's integrated with the employer's medical plan can help improve an employee's health when they experience a disability and get back to work as quickly and safely as possible. (Photo: Shutterstock)

Over the last year, the pandemic has produced several learnings and compelled us to pause and think about our wellbeing in its entirety. For employers, they can play a key role in supporting employees' overall wellbeing, which goes beyond benefits to support mental and physical health, but also benefits that help preserve their financial health. Disability insurance is one of the surest ways for employers to protect employees against lost income, yet availability to this benefit remains limited. The U.S. Bureau of Labor Statistics reported in March 2020 that only 40% of American workers had access to short-term disability while 35% had access to long-term disability.

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