Short & Long Term Disability Insurance in Oklahoma City - Income Protection for Life's Unexpected Turns

Support Your Employees When They Need It Most

Disability insurance is one of the most overlooked-but most appreciated-benefits a company can offer. At Eagle Group Associates, we help Oklahoma City employers design short and long-term disability plans that provide essential financial support when employees face illness or injury. Whether your team is based in Midtown OKC, Moore, or Norman, we'll guide you in building a package that protects their income and keeps your business running smoothly.

Why Disability Coverage Matters in the Workplace

When an employee can't work due to an injury, illness, or pregnancy, they may lose their income at the very moment they need it most. Disability insurance helps replace a portion of their paycheck during that time-giving them financial breathing room and peace of mind.


Offering this type of protection:


  • Reduces financial stress for employees
  • Boosts morale and loyalty
  • Minimizes turnover during health-related absences
  • Supports compliance with leave laws and continuity of operations


Many Oklahoma employers now consider disability insurance a core part of their benefits package-not just a nice-to-have.

What's the Difference Between Short-Term & Long-Term Disability?

We help you structure both types of coverage in a way that fits your company's needs and budget:


Short-Term Disability (STD):

  • Covers temporary absences from work (typically 7 days to 3-6 months)
  • Pays a portion of weekly income-usually 60% to 70%
  • Often used for recovery from surgery, illness, or maternity leave
  • Waiting period: Usually 0-14 days after disability begins

Long-Term Disability (LTD):


  • Covers extended periods of disability (months or even years)
  • Pays monthly income-typically 50% to 60% of salary
  • Kicks in after short-term disability or employer leave policies are exhausted
  • Often paired with return-to-work or rehab assistance


Both plans can be employer-paid, employee-paid (voluntary), or shared. We'll walk you through the cost, structure, and tax implications of each option.

Custom Coverage Options for Oklahoma Businesses

We work with businesses across industries-from OKC tech startups to Norman dental offices-to create tailored disability coverage that meets both employee needs and budget constraints. Features we help configure include:


  • Elimination periods
  • Benefit durations
  • Salary-based coverage levels
  • Integration with PTO or state leave
  • Portability & conversion options
  • Coordination with workers' comp or FMLA policies


Our team explains the fine print in plain English, so you can make informed decisions with confidence.

FAQs

Disability Coverage

  • Do I have to offer both short and long-term disability?

    No-some companies start with just one type of coverage. We'll help you decide what's best based on your team, industry, and budget.


  • Can employees buy more disability coverage?

    Yes, many plans offer voluntary buy-up options that let employees increase their coverage beyond the base amount.


  • Is maternity leave covered under disability plans?

    Yes, pregnancy and childbirth recovery are typically covered under short-term disability policies.


  • What if I already offer sick leave?

    Disability insurance offers longer and more consistent wage protection than PTO. Many employers use both together for stronger support.


  • How much does disability insurance cost for employers?

    Costs vary based on group size, coverage level, and plan design. We'll gather quotes from top carriers and help you compare them clearly.


Let's Build a Plan That Helps Your Team Bounce Back

Life happens. When it does, your employees will remember who helped them through. Offering disability insurance tells your team you've got their back-even in tough times. Let's create a benefits package that protects your people and your business.


Call (405) 602-1554 or contact us online to schedule your free employee benefits consultation today.

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