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The Group Disability Specialists

Group Disability insurance as part of an employee benefit plan offers key advantages, including serving as an excellent employee recruitment and retention tool. With a Group plan you have the opportunity to leverage design flexibility to fit your company’s budget while providing a safety net for your employees. You can choose to pay the premiums or have your employees pay them, or opt for a combination of the two, using pre-tax or after-tax dollars. In addition, you can take pre-tax company-paid premiums as a business tax deduction.

ISU-The Olson Duncan Agency offers businesses both Group Short-Term Disability and Long-Term Disability designed to help protect your employees’ most valuable asset: the ability to earn an income should they become ill or injured and are unable to work.

Group Short-Term Disability Insurance

Short-Term Disability (STD) insurance helps safeguard an employee’s income for a specific period of time – typically three months, six months, or one year, after a brief waiting period – because of an illness or injury that prevents them from working. This coverage helps employees pay the bills when they cannot work due to a covered claim.

Group Long-Term Disability Insurance

Long-Term Disability (LTD) insurance helps employees meet day-to-day financial obligations by replacing a portion of an employee’s income during an extended period of a disabling illness or accident. An LDT policy typically has an elimination period of at least 90 days, after which benefits are paid for a longer term, typically, two years, five years, 10 years, to age 65, or for life.


Our staff will work with you to find a flexible plan that not only provides valuable income protection to employees, but also does so at an affordable cost.

Helping You Navigate Today’s Health Care Landscape

Health care is a priority for your employees and, at ISU-The Olson Duncan Agency, we know that no one plan fits everyone’s needs. With extensive experience in working with carriers and understanding the ins and outs of what it takes to deliver sound employee benefits, we help employers navigate through what’s available in order to choose the right plan for their business. We also work with each employee so that they select the benefits and options that address their specific needs. To find out more about how we can help you, call us at (310) 373-6441.