Electable Benefit

Disability Insurance

Protect your income and financial stability with Disability Insurance provided by UnitedHealthcare, offered through Buoy. Designed for small businesses and contractors, our disability benefits offer a crucial safety net when unexpected illness or injury keeps you from working. UnitedHealthcare’s Disability Insurance can replace a portion of your lost income, allowing you to focus on recovery without the added stress of financial concerns. Whether managing a business or working independently, this coverage is essential for safeguarding your financial well-being.

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What you get with UHC Disability Insurance

Short & Long Term Disability Insurance
UnitedHealthcare Disability Insurance offers both Short-Term and Long-Term coverage options, ensuring comprehensive protection for you and your team. Whether you need support for a temporary condition or a long-term illness, our plans provide the financial security you need to maintain stability during challenging times.

Short-term Disability
Short-Term Disability provides coverage for temporary conditions that prevent you from working, such as minor injuries or maternity leave. Benefits are typically paid as a percentage of your weekly earnings, offering you financial support when you need it most.

Long-term Disability
Long-Term Disability is designed to protect against extended absences from work due to severe or chronic conditions. Benefits are paid as a percentage of your monthly earnings and can continue for several years, depending on your situation, providing long-term financial security.

View Plan Options and Rates

Explore our plan options and rates in the Benefits Guide

Disability Income Protection Insurance

Disability Income Protection ensures that you have financial support when an illness or injury interrupts your ability to work, giving you peace of mind during recovery.

Dedicated Claim Analyst

With a dedicated claim analyst, you receive expert assistance in navigating the claims process, ensuring a smooth and efficient experience during a difficult time.

Flexible Coverage Options

Choose coverage that fits your needs with flexible options, including up to 60% of your basic weekly earnings and a maximum monthly benefit of $1,500 for short term benefits or 60% of your monthly earnings and a maximum monthly benefit of $5,000 for long term coverage.

Pre-Tax Payroll Deduction and Group Pricing

Premiums are conveniently deducted pre-tax directly from your payroll, and group pricing makes this essential coverage more affordable for you and your team.

Ready to get your benefits started?

Begin your enrollment today.