Group Disability Insurance

Flexible insurance for short- and long-term disabilities

Group disability insurance protects your employees’ most valuable asset: the ability to earn an income, even if they are too sick or hurt to work.

Principal Life Insurance Company, a member company of the Principal Financial Group®, works with you to structure a disability program where you pay all, part, or none of your employees’ premiums, depending on your needs and goals. No matter what you choose, our industry-leading claims management and rehabilitation resources come standard.

We also offer individual disability protection solutions to wrap-around group disability insurance – helping to protect a greater portion of a key employee’s income. 

Talk to your Principal® representative about offering group disability insurance.

Protection that reflects your employees’ value

Our disability insurance products emphasize flexibility, assistance and support for returning to work. They include:

  • Flexible benefit options for a range of percentages and maximums
  • Coverage for total and partial disability
  • Work incentive benefits that allow part-time work while still receiving benefits
  • In-house staff of nurses and return-to-work consultants work with employers and employees to evaluate claims and assist with rehabilitation 
  • Choice of three Employee Assistance Programs (EAPs)

See all insurance services for more details on Return-To-WorkSM resources.  


A range of options for ultimate protection

Choose from a range of product types to offer your employees the coverage they need.

Short-term disability

  • Provides “own job” coverage, so the disability is evaluated based on an employee’s specific job, not just their general occupation
  • Benefit percentages choices range from 40 to 66 2/3%
  • Includes options for work-related and non-work-related disabilities

Long-term disability

  • Benefit percentage choices from 40% to 60%
  • Employee Choice lets employers offer multiple options, one at a lower cost
  • Ability to integrate with individual coverage for income replacement up to 75%
  • Provides protection for recurring disabilities
  • Optional benefits to assist with medical premium supplement, worksite modification, and additional benefits for catastrophic disabilities

Combine disability with life insurance to offer comprehensive benefits.

Do you offer employee benefits through us?

Manage your benefits online.

Benchmark your employee benefits

See how your company's benefit design measures up.

Need to submit a claim?

You have a variety of options:

Or call us at 800-245-1522 for help in English and 800-243-1404 for help in Spanish.

Help with protecting your most valuable asset

Photo of a man working in his store.

Expect the unexpected: Protecting your business & life

You may have spent years building and nurturing your business, but are you prepared if you became too sick or hurt to work?

Man who has considered the tax implications of employee benefits.

Tax implications of employee benefits

See what tax considerations there are for employee benefits and the impact those taxes can have on your business.

This is an overview of the benefits of disability insurance, but there are limitations and exclusions. For cost and coverage details, contact a Principal Life representative.

Disability insurance from Principal® is issued by Principal Life Insurance Company, Des Moines, IA 50392.

Insurance issued by Principal Life Insurance Company, Des Moines, IA 50392.

EC4724 | 07/2017