Disability Income Insurance
Protect your members' income with comprehensive disability insurance that replaces lost earnings during unexpected absences.
When paychecks stop, bills don't
An unexpected illness or injury can take someone out of work for weeks or even months. While health insurance may cover medical bills, it doesn't replace lost wages. Without income protection, members can quickly fall behind on rent, utilities, and everyday expenses. The U.S. Department of Labor tracks workforce disability statistics that highlight this widespread gap.
At Premier Health Solutions, we offer limited benefit disability income insurance that provides weekly cash payments to help bridge the income gap when your members can't work due to a covered disability.
How disability income insurance helps
Our limited benefit disability income insurance pays weekly cash benefits directly to the member — providing a financial bridge during recovery from a covered illness or injury.
Weekly Cash Benefits
Receive up to $250 per week in cash benefits to help cover everyday expenses while unable to work due to a covered disability.
Illness & Injury Coverage
Benefits are payable for disabilities caused by covered illnesses as well as covered injuries, providing broad income protection.
Direct Payments to Members
Cash benefits are paid directly to the member — not to doctors or hospitals — so they can use the funds however they need.
Supplements Existing Coverage
Works alongside health insurance and other PHS-administered benefits to provide a more complete financial safety net.
Affordable & Accessible
Limited benefit design keeps premiums affordable, making income protection accessible to a wider range of members.
Focus on Recovery
Financial support during disability allows members to focus on getting better without the stress of lost income.
Disability income insurance administration
We work with A-rated carriers to provide limited benefit disability income insurance that is simple to administer and meaningful for your members.
Full Administration
We provide comprehensive benefits administration for disability income insurance — handling enrollment, billing, claims coordination, and member support.
Easy Member Access
Members can enroll online, access policy details through the secure member portal, and submit disability claims with streamlined processes.
Flexible Benefit Levels
Choose from multiple weekly benefit levels up to $250/week, designed to complement your existing benefits package and meet your members' income replacement needs.
Ongoing Support
We provide dedicated support throughout the claims process, ensuring your members receive their benefits promptly when they need them most.
What you can expect from Premier Health Solutions
At Premier Health Solutions, we provide comprehensive, end-to-end services for your administration, benefits, and management needs.
Competitive rates for today's families
Affordable disability income insurance designed for working families with pricing that fits different budgets.
Meaningful income protection
Weekly cash benefits up to $250 that provide real financial support when members can't work.
Reliable and member-focused services
Customer support and claims assistance that put members first every step of the way.
A focus on compliance
Compliance built into every process, with dedicated support for independent agents who partner with us.
About Disability Income Insurance
Disability income insurance is a supplemental insurance product that pays weekly cash benefits directly to you if you are unable to work due to a covered illness or injury. It helps replace a portion of your lost income during recovery.
Our limited benefit disability income insurance plans offer weekly benefits up to $250 per week. The exact benefit amount depends on the plan selected and is determined at enrollment.
A covered disability is an illness or injury that prevents you from performing the duties of your occupation, as defined by the specific plan terms. Your agent or employer can provide details on covered conditions and qualifying criteria.
Benefit duration varies by plan and depends on the nature of the disability. As a limited benefit plan, there is a defined maximum benefit period. Contact us for specific benefit duration details for your plan.
Most disability income plans include a short elimination period (waiting period) between the onset of disability and when benefits begin. The elimination period length varies by plan.
Yes. Disability income insurance works alongside other PHS-administered products like accident insurance, critical illness coverage, and value-added benefits to create a comprehensive financial safety net.
Claims can be submitted through the member portal or by contacting Premier Health Solutions directly. Our team provides dedicated claims support to ensure timely processing and payment of benefits.
Explore more products we administer
Want to offer this product?
Partner with PHS as an independent agent. Competitive commissions, full back-office support, and A-rated carrier products.
Learn About Partnering →Learn more about disability income insurance
At Premier Health Solutions, we simply do things the right way — for our customers and your members.