Employee Benefits

Disability Insurance — protecting your employees' income when they can't work.

Disability is one of the most under-discussed risks in employee benefits — and one of the most financially devastating when it strikes. Short-term disability covers the first weeks or months of an illness or injury. Long-term disability takes over for extended absences. Together, they give your employees income protection that workers' compensation alone doesn't cover.

Build Your Benefits Package All Employee Benefits

01 — Short-Term

Short-Term Disability

Income replacement for the first 90 to 180 days of a qualifying disability — bridging the gap between the onset of disability and long-term coverage.

Learn More →02 — Long-Term

Long-Term Disability

Income replacement for disabilities lasting beyond the short-term elimination period — providing financial stability through extended illness or injury.

Learn More →03 — Integration

Coordinated Coverage

Coordinates with workers' comp, group health, and state programs to fill gaps and avoid duplicated benefits — structured as part of your complete benefits package.

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Why It Matters

Why Disability Matters More Than Most Employers Know

Workers' compensation only covers injuries and illnesses that occur on the job. Most disabling conditions — cancer, heart disease, mental health crises, non-work accidents — are not covered by workers' comp. Disability insurance fills that gap, protecting employees from the financial devastation of an extended absence due to any qualifying condition. Kain Carlson structures disability coverage alongside workers' comp and group health to create a complete income protection picture.

Short-Term Disability

Covers the first 90 to 180 days of a disability — the period most likely to affect your team. Often structured as an employer-paid benefit to maximize participation and value.

Long-Term Disability

Takes over when short-term benefits end — providing income replacement for employees with serious conditions that keep them from working for months or years at a time.

Own-Occupation vs Any-Occupation

Own-occupation definitions are more favorable to employees — covering them if they can't perform their specific job, not just any job. Kain Carlson helps you understand the policy language before you buy.

Workers' Comp Gap

Workers' comp only covers on-the-job injuries and illnesses. The vast majority of disabling conditions are not work-related — making short and long-term disability essential for complete income protection.

Add Disability Coverage to Your Benefits Package

Independent · Licensed in ND & MN · All major carriers · Based in Fargo

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