Business Insurance Products:

Voluntary Employee Benefits – Short Term Disability

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Disability Insurance might be right for employees who:


•  A few weeks off work would make it hard to keep up with the bills

•  Currently have LTD and want to be able to fill in the gap of an elimination period

•  Have regular debts – like credit cards, a car payment, mortgage or other loans

•  Have savings earmarked for other goals

•  Couldn’t afford the extra costs of a disability – like deductibles, medicine, in-home care, transportation, or extra help around the house

•  Have other policies, but they won’t cover all their expenses



For more information, please contact:

Ritman & Associates
Contact Ritman