Disability

Accidental Death and Dismemberment
 

Accidental Death and Dismemberment (AD&D) Insurance provides around-the-clock coverage for death or dismemberment as a direct result of an accident, provided the death or dismemberment occurs within 90 days of the accident, subject to certain exclusions.

Disability Insurance
 

Help your employees increase their financial security with Voluntary and Group Short-Term and Long-Term Disability insurance. Whether your group is large or small, DAKOTACARE can assist you in the design, implementation and administration of a health insurance plan to meet your needs and cost objectives.

Group Short-Term Disability Insurance
 

Short-Term Disability (STD) pays a specific weekly benefit to an employee who is totally disabled and cannot work due to a non-job related injury or sickness. Employees who are actively working at least 30 hours a week on a full-time basis are eligible for coverage.

Group Long-Term Disability Insurance
 

Long-Term Disability (LTD) pays a specific monthly benefit to an employee who is totally or partially disabled and cannot work. Employees who are actively working at least 30 hours a week on a full-time basis are eligible for coverage.

Voluntary Short-Term and Long-Term Disability Insurance
 

Now you can offer your employees Voluntary Short-Term and Long-Term Disability programs without paying a dime! Paid entirely by employees, Voluntary STD and LTD provides employees with access to group-priced income replacement on a short-term and long-term basis.

For more information on this or any other DAKOTACARE product, contact the DAKOTACARE Sales and Marketing office at (605) 334-400 or (800) 325-5598, or your local DAKOTACARE agent.