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» Disability

At J.A.F., we work with you to design, implement and service a wide variety of employee benefit plans. We review and analyze your current program or help you develop options. We help you determine your objectives and then design a plan to meet those objectives.

Group disability insurance is insurance purchased by an employer to protect the income of employees should they be unable to work because of illness or injury. Loss of income is a financial blow to any working person, regardless of their salary. Lifestyle usually rises to meet the level of income, and it is that lifestyle that is immediately jeopardized by a sudden stop to the flow of income.

Some large corporations restrict their group coverage to those in middle management positions or higher. For small businesses, each employee is more valuable in terms of maintaining a smooth operation. When an owner has only three employees, each person is vital to the continuance of the business.

Not required by law, group disability insurance can be obtained for the various circumstances of a small or large business. Some companies have income protection policies for businesses composed of only three to nine employees, and this long-term disability insurance provides for monthly benefits for disabilities lasting longer than 13 or 26 weeks. Short-term policies might provide benefits for up to 26 weeks.

J. A. Faccibene & Associates’ commitment to customer service is what sets us apart from other insurance agencies.  We are committed to providing our customer’s with personalized service for all their insurance needs.  Here are just a few of the services we provide:

• Quarterly Reviews
• Local Service Oriented Agent
• Loss Control Program
• On Site Presence During Audit
• Automated Market System
• MVR Pull Program
• Contract Review / Lease Review
• Human Resources Consultation
• Certificate Compliance System
• Automated Claims Administration

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