Group Disability Coverage - Fully Insured, Self-Funded & State Mandated

 Disability benefits provide a financial safety net when employees can’t work due to illness or injury and is a passion of the dibs Benefits team due to the lasting impact it can have on an employee’s life who is in need. 

 Our staff holds certification specific to our consultation including GBDS (Group Benefits Disability Specialist)  

dibs Benefits consults on fully insured, self-funded, and state-mandated disability programs.

In our experience, disability coverage is the non-medical benefit where discovering contractual gaps and mismanagement is most often and can have a lasting negative impact on clients in need.

• Detailed contract analysis including 

• Employee earnings coverage stress analysis

• Short-term Disability & State-mandated program consultation (e.g., CA, NY, NJ)

• Voluntary and employer-paid plan structures, including executive specific plans

• Claims coordination best practices

Keep your team supported—and your operations resilient.