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Group Disability

“Employee Disability Protection”

Welcome to the Disability Solution Center for Business Owners and Employees!

SFG offers the benefits of working with a top distributor of DI, including access to a broad array of competitive products from the top DI carriers.

What Is It
With employee benefits nothing is an important as disability income protection. When your employee cannot go to work to receive a paycheck the disability policy will provide them an income stream. A sizeable portion of people in New Jersey are living paycheck to paycheck with little or no emergency savings. As a business owner think about if your employee gets sick or ill, how many of your employees would be able to pay their bills for six months, twelve months or a few years. The Disability Insurance is for your employee who wants to protect their paycheck. Offering disability insurance is a smart move and will also enhance your benefits package.

Benefits and Solutions it Provides

  • Employee or Business Owner Receives a Paycheck Even When You Can’t Work
  • Helps Employees Achieve Financial Security
  • Attract and Retain Top Talent at Your Company
  • Helps to Reinforce Job Satisfaction
  • Builds Positive Relationships with Employees
  • Low cost and Tax Deductible Benefit, that Guarantees Your Employees the Support, Specifically during Emergencies.

Types of Policies

  • Non-Cancellable, Own Occupation Policies
  • Blue Collar DI, White Collar DI
  • Impaired Risk
  • Business Overhead Expense
  • Disability Buy-Sell and Key Person

Reasons why we’re the Place to Put Your DI Business

We specialize in Disability insurance
With many years of Disability insurance experience; we are able to help your company with an optimal plan design for the most competitive premium.

We offer quality Disability insurance carriers
Assurity, MetLife, Mutual of Omaha, Principal, The Standard, and Lloyd’s of London

We have a full-time Disability insurance staff
We provide illustrations, as well as product knowledge to you and your employees. We keep you informed of the status of your case and work to get your policy issued quickly.

We know how to place your case
Our familiarity with health underwriting gives your company added experience to help match your group and individual health issues with a suitable carrier.

We have strong carrier relationships
Our strong and long-standing relationship with our carriers provides your company with outstanding service and exceptional underwriting.

What Types Of Disability Coverage Are Available?

  • Long-Term Group and Individual Disability
  • True Own Occupation
  • Short-Term Group and Individual Disability
  • Multi-life Discounts (3 or more lives)
  • Guaranteed Issue
  • Business Overhead Expense (BOE)
  • Simplified DI, Business Overhead Expense, and Buy-Sell
  • Loan Indemnification
  • Contract Indemnification
  • Key Person
  • High Limit Coverage
  • Accidental Death and Dismemberment
  • Kidnap and Ransom

Sullivan Financial Group in Bergen County, New Jersey is a widely-recognized insurance and financial services company. Our insurance services are available for all residents in New Jersey. Our office is currently located in Bergen County and we will be happy to help you find an insurance plan that fits your budget and your needs.Do you have questions about a particular insurance plan for your company? Send us a message online! We also have insurance agents you can reach via phone – 201-497-3334.

Other Helpful Links

Business & Employee Solutions

Health Insurance
Vision
Dental
Group Life
Voluntary Benefits