MN Group Disability Insurance

Minnesota Group Employee Disability Insurance

Disability insurance coverage is an important employee benefit because it helps
protect your employees most valuable financial asset...their income. It replaces
lost income for an employee if they are unable to work due to sickness or injury.

Group disability insurance for your Minnesota business is an excellent employee
benefit incentive for acquiring and maintaining employees and the cost is
relatively low in comparison to other employee benefits.

Learn much more below about both Employee Long Term Disability Insurance
and Employee Short Term Disability Insurance.

Each year on average, 12% of the adult U.S. population suffers a long term
disability and one out of eight workers will suffer a five-year or longer
disability before the age of 65.

Group long term disability insurance plans provide income protection for
disabilities lasting three months or longer. After the initial waiting period is
completed, long term disability insurance will provide a monthly income which
may continue until age 65 for qualified disabilities. The monthly income
provided under a policy is usually 60% of the employees pre-disability income.

Click on the link below to fill out a quote request form for a Minnesota group
employee long term disability insurance plan that regardless of whether
you're a large employer or a small business, will provide exceptional long
term disability insurance coverage for your businesses most important
asset...your employees. Or you can speak with our Minnesota Group
Disability Insurance specialist toll free at 1-877-730-4678 or locally at (651)
730-6666 to discuss the features.

We are your local St. Paul, Minnesota insurance agency, offering experienced Group
Employee Long Term and Short Term Disability Insurance services to businesses in the
following Twin Cities area towns and counties: Minneapolis, Bloomington, Roseville,
Maplewood, North St. Paul, Oakdale, Woodbury, Cottage Grove, South St. Paul, Inver
Grove Heights, Eagan, West St. Paul, Richfield, Burnsville, Edina, Lilydale, Mendota
Heights, St. Paul Park, Lake Elmo, Newport, Cedar Grove, Savage, Shakopee, Eden
Prairie, Minnetonka, Hopkins, St. Louis Park, Plymouth, Golden Valley, Columbia Heights,
New Hope, Crystal, Robbinsdale, Brooklyn Center, Fridley, New Brighton, Maple Grove,
St. Anthony, Arfen Hills, Shoreview, Vadnais Heights, Little Canada, White Bear Lake,
Mahtomedi, Grant, Bellaire, North Oaks, Gem Lake, Mounds View, Lino Lakes, Blaine,
Coon Rapids, Spring Lake Park, Lexington, Afton, Lakeland, Bayport, Stillwater, Apple
Valley, Andover, St. Cloud, Mankato, Rochester, Duluth, Anoka, Champlin, Andover, Oak
Grove, St. Michael, Hanover, Scandia, Forest Lake, Wyoming, Rosemount, Hastings,
Vermillon, Coates, Ramsey County, Hennepin County, Dakota County, Anoka County,
and Washington County, MN. We also offer business insurance services in the remainder
of Minnesota and throughout Wisconsin.

Proudly serving all of Minnesota
and Wisconsin for over a decade!

Baecker Insurance Agency, Inc.

373 Pedersen Street, Suite 104

St. Paul, Minnesota 55119

Ramsey County, MN

(651) 730-6666

Toll Free: 1-877-730-4678

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Benefits begin on the 91st day of disability.

Monthly benefit is 60% of pre-disability income.

Maximum monthly benefit is $5,000.

Benefit duration to age 65 for qualified disabilities.

When an employee needs to be away from work for an extended period or a non-work related
disability like maternity, illness, or injury, an employee can have access to a short term disability
program which provides at least partial income protection. Short term disability insurance is a
more common employee benefit because the chance of an employee being unable to work for a
short period is higher than the chance of being permanently disabled.

A short term disability insurance plan for your Minnesota business will provide weekly income for
an employee disability shorter than 3 months. Coverage is meant to bridge the gap between a
company's sick pay policy and the start of an employee long term disability insurance plan.

Benefits begin on the 1st day in the case of an accident

Benefits begin on the 8th day in the case of a sickness

Weekly benefit is 100% of pre-disability income for the
first 15 days.

Weekly benefit is 66% of pre-disability income from
day 16 through a maximum of 165 days.

Maximum weekly benefit is $1,000.

Benefit duration is 26 weeks.

Click on the link below to fill out a quote request form for a Minnesota group employee
short term disability insurance plan that regardless of whether you're a large employer
or a small business, will provide exceptional short term disability insurance coverage for
your businesses most important asset...your employees. Or you can speak with our
Minnesota Group Disability Insurance specialist toll free at 1-877-730-4678 or locally at
(651) 730-6666 to discuss the features.

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.

Group
Disability

Insurance

Group Disability Insurance Specialists