Please, fill the form in less than a minute. Your connection will be secured. All information we collect is strictly confidential.

The Insurance Commissioner is encouraging companies to write their contracts in plain English and more of them are doing so, but many contracts are still thick with legal jargon. If you do not understand your policy, ask questions until you do.

These policies offer payments to employees who are (usually temporarily, rarely permanently) unable to work because of any injury or illness, even if it is not job-related. Unlike workers' compensation, this coverage may not involve any aspect of health insurance, life insurance, or payments for pain and suffering. Similarly to most employer-supplied health insurance, these plans are essentially just open-market plans with the advantage of a negotiated group rate. That is, they are similar to what an individual would buy, but they are purchased with a volume discount. Another general fact about them is that they tend to offer rather basic, low-end coverage, essentially because most people balk at paying for anything more. Sometimes each employee has the option to buy upgraded coverage if they are willing to pay for it.