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Group Life and Disability

It is our mission to provide peace of mind when it comes to protecting what matters most to both you and your employees. We offer a wide range of products and services that your employees will both value and appreciate.

Life Insurance

Life insurance coverage at economical group rates offers employees and their families vital financial security. Group life insurance coverage can be based on employee classification or salary as low as $10,000 per employee.

Accidental Death and Dismemberment

Included with life insurance coverage, Accidental Death and Dismemberment (AD&D) benefits are equal to the group life benefit for each insured employee. AD&D benefits are payable for death, dismemberment and loss of sight of an insured employee. There is a choice of non-occupational injury benefit and a 24-hour coverage only benefit.

Short Term Disability Insurance (STD)

Weekly Disability Income plans protect an employee's income in case of a short-term disability due to unexpected, non-occupational illness or injury. Options that are core components of the plan include: a benefit period, an elimination period, a maximum benefit percentage of salary and a maximum weekly benefit

Long-Term Disability

Long-Term Disability (LTD) insurance is designed to replace a portion of an employee's income lost due to a prolonged disability. LTD covers both occupational and non-occupational injuries. Floss Agency's access to options allows groups to choose the core components of the plan: a benefit duration period, an elimination period, a maximum benefit percentage of salary, a maximum monthly benefit and an integration method. Optional benefits, including cost of living adjustments and survivor benefits, are also available.

New York State Disability

If you are disabled by an off the job illness or injury, New York State disability benefits insurance (through the State Insurance Fund) provides temporary cash benefits to eligible wage earners. Disabilities arising from pregnancies may also be covered. Typically benefits are 50% of gross salary to a max of $740 a month from day 8 to 180.

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Securities and advisory services offered by Cadaret Grant & Co., Inc.  |  Member FINRA/SIPC 9092 Main Street, Clarence, NY 14031 716-631-0190  |  Licensed in New York, California, Florida, Texas & Tennessee. | Floss Agency and Cadaret Grant are separate entities.