Disability insurance throughout Southeastern Wisconsin, including Hartford and Slinger.

Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.

While employees can take out personal disability insurance themselves, businesses that pay for a disability insurance plan as part of their employee benefits package often find that it is a great way to recruit staff and make them feel valued.

Disability insurance pays out to an employee of your business who is unable to work because of illness or injury. Typically this pay out is equal to 60 percent of their typical salary, and is often paid as tax-free income.

When choosing a plan for your employees, you can offer just short-term coverage (which is usually capped at six months) or long-term coverage (which runs for several years or even until retirement age). Other disability insurance options include payments that specifically cover the employee’s mortgage or other loans.

Offering disability insurance is also a great way to ensure that injured or sick employees take the time necessary to properly heal, and then return to work in good physical shape and without stress. This prevents employees from rushing back to work before they are fully healed, which could lead to worsening of their condition and even longer recovery times in the future.

It’s important not to confuse disability insurance with some other programs. It is different than worker’s compensation insurance (a mandatory insurance program paid for by employers that pays out if an employee is injured at work) and social security disability insurance (a government program for people with serious long-term conditions or disabilities who are unable to take on employment).

Want to know more about disability insurance for your employees? Reach out! We’re happy to chat through your options.

Let’s discuss your disability insurance.

One of our benefits advisors will reach out to you to review your information and present you with the appropriate disability insurance solution. There’s no obligation, just good-old-fashioned advice.
  • This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverage's are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverage's are available in every state. Please contact our office at 800-414-5875 to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead, discuss that personal information with us by phone or send by fax. Statements on this website as to policies and coverages and other content provide general information only and we provide no warranty as to their accuracy. Clients should consult with their licensed agent as to how these coverage's pertain to their individual situation. Any hypertext links to other sites or vendors are provided as a convenience only. We have no control over those sites or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those vendors. Information provided on this website does not constitute professional advice. If you have legal, tax or financial planning questions, you need to contact a qualified professional.
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R.S. Semler & Associates Insurance, Inc. offers comprehensive disability insurance throughout Southeastern Wisconsin, including Hartford, Slinger, Rubicon, Jackson, Richfield, Oconomowoc, West Bend, Iron Ridge, Horicon, Neosho, Germantown, Hubertus, Kewaskum, West Allis, Milwaukee, Menomonee Falls, Hartland, Allenton, Jackson, Hustisford and Ashippun.