When you own a business, increasing its value often hinges on your ability to effectively recruit, reward and retain the right people. Benefits are an effective way to attract and keep the very people who contribute to the value of your business every day—people who are often family or feel like family.

Group disability insurance is one example of a benefit that can be offered. It helps you build and maintain your workforce and helps your employees and their families meet their financial responsibilities.

What if one of your employees becomes injured—or is diagnosed with a serious illness—and can't work? It happens more often than you might think. In fact, one in four employees will be disabled for three months or more during their careers.¹ If this happens to one of your employees, would you feel compelled to help financially? If so, how long could you afford to pay this employee and his or her replacement?

People tend to associate disability income insurance with accidents. But the reality is, 70 percent of disabilities are caused by heart attack or stroke, cancer, back problems—even maternity.²

Here are a few other things to know about group disability insurance:

• It's relatively inexpensive, typically about 1 percent of payroll.

• You OR your employees can pay the premiums.

• If your business pays, premiums for employee coverage are tax deductible to the business.

• If your employees pay, any benefit they receive is tax free.

• And there are no medical questions or exams.³

When offering this benefit, it's important to choose a company that's an expert in disability income insurance … one that has been awarded the highest financial strength ratings and will be there when you and your employees need it most.