DAKOTACARE: Disability Insurance

Whether your group is large or small, DAKOTACARE can assist you in the design, implementation and administration of a disability health insurance plan to meet your needs and cost objectives. Or you can let your employees choose the extra coverage they want.

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 this 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

Voluntary Short-Term and Long-Term Disability programs are paid entirely by your employees. Voluntary STD and LTD provides access to group-priced income replacement on a short-term and long-term basis.

Accidental Death and Dismemberment (AD&D) Insurance

AD&D 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. AD&D Insurance is available with Basic Life Insurance.