Group Insurance Products
Temporary Disability Insurance (TDI) is a "wage replacement" program that pays benefits to partially replace lost wages due to off-the-job sickness or injury (including pregnancy). With few exceptions, all employers in Hawaii with one or more employees (full-time, part-time or temporary) are required to provide disability benefits for its employees.
Group Term Life Insurance is the most popular optional employee benefit offered and is an affordable way of providing a valuable benefit in the workplace.
Long Term Disability (LTD) provides active employees with an income stream if they should become disabled and unable to work for extended periods of time due to an accident or illness. Typically, LTD is meant to begin when short-term disability or temporary disability payments stop. This benefit can be offered on a non-contributory employer paid basis or an employee cost shared basis. LTD provides active employees with an income stream if they should become disabled and unable to work for extended periods of time due to an accident or illness.