Short-Term Disability Insurance for Employees in NJ
Affordable Income Protection for Your Team
When illness or injury keeps an employee out of work, stress about lost income can make recovery even harder. Short-term disability insurance is a practical solution that provides peace of mind for employees and confidence for employers. At Hensh Group Insurance, we help South Jersey businesses offer
short-term disability insurance that fits their budget and meets the needs of their workforce.
Why Income Protection Matters for Small Businesses
If an employee can’t work due to a covered illness or injury, short-term disability (STD) coverage replaces a portion of their income—typically for a few weeks up to several months. This financial cushion allows employees to focus on healing, not bills, while helping businesses maintain loyalty and morale during tough times.
New Jersey has a state disability program, but it doesn’t always cover everything. Supplemental short-term disability plans can fill gaps and deliver additional security for your team.
Key Features of Our Short-Term Disability Plans
Hensh Group partners with trusted carriers like Aflac and Colonial Life to provide flexible, easy-to-manage plans for local employers. Standard plan features often include:
Benefit Amount
Pays a percentage of an employee’s income (commonly around 60%).
Benefit Duration
Typically covers 13–26 weeks of income during recovery.
Elimination Period
A short waiting period (such as 7 days) before benefits begin.
We’ll guide you through plan options, including cost, waiting periods, and benefit structures—so you can offer coverage that makes sense for your business.
Employer-Paid or Voluntary Coverage—Your Choice
Not every small business has the budget to fully sponsor disability benefits. That’s okay. We offer flexible options:
- Employer-Paid Plans – A competitive perk that builds loyalty and shows employees you care.
- Voluntary Plans – No cost to your business. Employees choose coverage and pay through convenient payroll deductions.
Whichever approach you choose, we’ll make enrollment and administration simple.
How Disability Coverage Fits into a Complete Benefits Package
Short-term disability works best when integrated with other benefits like accident insurance or critical illness coverage. If an employee experiences a serious accident or illness, these plans complement each other to reduce financial strain. Hensh Group ensures your benefits package works together seamlessly.
Local Knowledge, Personalized Service
From Williamstown to Cherry Hill and throughout South Jersey, we understand what local businesses need—and how to make benefits easy to manage. We’re available for in-person consultations or virtual meetings to fit your schedule.
Ready to Add Disability Coverage?
Protect your team and your business with a benefit that matters. Short-term disability insurance is affordable and easy to implement—often just a few dollars per employee per week, or nothing for the employer if voluntary.
