No, employers are not obligated to offer disability insurance to employees, or even offer sick pay to employees. Individual disability insurance plans are available, and disco…unts are offered if multiple employees get a plan, even if the employer does not pay the premium, but each employee pays for their own policy. Multiple employee discounts vary from 10-45% off, depending on the insurance company, number of employees, gender, long-term or short-term disability policies..
For example, an average premium can be as low as $10 per month, for $1000 of monthly benefit. Ask for multiple companies quotes, from an experienced disability insurance independent broker.. (MORE)