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Disability

For most employees, protecting income in the event of a catastrophic event is a very high priority, yet many do not know what coverage they receive at work, if any. Some employers do not offer disability programs and many that do unknowingly have contracts that fall far short of protecting their employees. These “gaps” require an advisor to point out where the employer’s coverage leaves off. Outside of their employer-sponsored insurance benefits, people understand the importance of purchasing insurance on their personal assets such as their homes, car, and other big ticket items. However, they often overlook protecting the one asset which makes acquiring all other assets possible: their ability to earn income.

Compensation Systems NW Inc. has the knowledge, expertise and resources to help employers find the appropriate income protection solutions for both rank-and-file and highly compensated employees, including:

  • Short Term Disability (STD)
  • Long Term Disability (LTD)
  • Multi-life Disability
  • Individual and Business Overhead
  • Buy/Sell
  • High Limit Disability for high income professionals

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