Higdon Employee Benefits

Short and Long Term Disability

Although generally the third or fourth benefit offering, we believe these should be second only to health care.  One in three employees will be disabled prior to retirement.  This is a serious and demanding statement.  It means that at some point you will have to look into an employee’s eyes and let them know their paychecks will end.  If you provide Disability insurance you will not only protect yourself from this difficult moment, you’ll protect a valued employee from financial peril.  And, all your employees will appreciate that their income is protected by you.

Disability coverages are pennies on the dollar when compared to many other benefits you may be providing your employees.