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Disability & Group Life Insurance for Tomorrow’s What Ifs

You can add value to your employee benefits program with Group Disability and Group Life insurance. Disability products and Life insurance give employees peace of mind, knowing they have financial support in the event of unforeseen circumstances. They also give employers peace of mind in knowing that they help protect their employees. In addition, these ancillary benefits can even help businesses recruit and retain the best employees. 

Short Term & Long Term Disability

Arroyo offers both Group Short Term and Long Term Disability products to employers. Both are designed to provide your employees with a safety net, protecting their most valuable asset: the ability to earn an income should they become ill or injured and are unable to work. Short Term Disability fills the gap between day one of disability and when the long-term benefits kick in. Typically, a Short Term Disability contract covers the first 13 or 26 weeks of disability. Long Term Disability pays a portion of the disabled employee’s income after he or she runs out of both sick leave and Short Term Disability benefits, typically after 90 to 180 days. Benefits are paid typically for two years, five years, 10 years, to age 65, or for life, depending on the policy.  

With a Group Disability plan you have the opportunity to leverage design flexibility to fit your company’s budget while also meeting your employees’ needs. You can choose to pay the premiums, have your employees pay them or share in the costs, using pre-tax or after-tax dollars. In addition, you can take pre-tax company-paid premiums as a business tax deduction. Rates and benefits vary based on the age, duties and earnings of your employees under these plans. Our benefits specialists will help you compare all your options.

Group Life Insurance

Group Life insurance enables you to provide employees with a key component of a comprehensive financial plan. In fact, a recent study found nearly 70% of U.S. workers, across all generations, believe having a Life insurance benefit available at work is important.


With a Group Life insurance plan, you purchase a master policy and then issue certificates of participation in the plan. Group Term Life insurance is often the most affordable option for employers, providing a large amount of insurance for a set period in a worker’s life. It usually is designed to provide benefits for loved ones in the event of the insured’s premature death. A Whole Life insurance policy is more expensive, but it lasts longer and builds cash value over the course of its existence—value that the employee can borrow against or use in other ways.