BF&M - Group and Workplace Disability Insurance Products

Insurance that protects your employees and your business

When employees are unable to work due to illness or an accident, you need to make sure you’re able to cover their income without massively impacting your bottom line. Disability Insurance from BF&M helps offset the loss of earnings, while giving your employee the time to recover.

Disability coverage:

Short Term Disability

Cover up to 75% of your employee’s income benefits with our Short Term Disability plan. Offering three months, six months, and one year options, you will be able to get the coverage your employees need at a price that works for you.

Long Term Disability

If longer coverage is needed for your employees for fully recover, our Long Term Disability plans offer exactly that. Continuing up to 75% of your employee’s income benefits, we cover 2 years, 5 years, 10 years, or up to the time the employee reaches age 65.

Group Life

Take care of your employees’ families with a company-sponsored life insurance plan. We offer benefits equivalent to one, two, or three times an employee's annual salary.

Accelerated Death benefit

Our Group Life plans allow for a partial payment of death benefits if the employee is not expected to live beyond a 12-month period.

Accidental Death and Dismemberment benefits (AD and D)

This benefit provides additional protection if a workplace death or accident is caused by unintentional means.

Why BF&M?

Insurance matters, and at BF&M we believe in making it straightforward.
You can trust us to be open, to talk in terms you can understand. And with over a century in the business and the strongest financial ratings going, you can depend on us to be there when you need us most.

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FAQs

What is Disability Income Insurance?

If an insured member becomes sick or injured, disability insurance replaces a percentage of their gross monthly income.

If a member becomes sick or injured disability insurance remunerates the member a portion of their monthly salary. It can also act as a great recruiting tool.

How can a benefits plan protect my group?

When an employee is unable to work as a result of illness or an accident, our Disability Income Plan provides coverage that can help offset lost wages.

What levels of coverage do you offer?

Our plans offer 1-4 times your current annual salary. Disability income (long term) is based on a percentage of monthly gross salary (both excluding bonuses).

Short term disability pays benefits weekly (26 week maximum term). Long term disability pays benefits monthly and terminates after 5 years or at age 65.

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Get a Disability Insurance quote or call for advice.

+1-441-295-5566