Benefits
Life & Disability Insurance FAQs for Employers
Alabama, Texas, Georgia, Tennessee, Mississippi, Florida, Louisiana and any other state
Considering life and disability insurance for your employees? You likely have questions. At Parsons Employee Benefits, we make it simple with clear, honest answers — so you can move forward confidently.
THE PURPOSE OF BENEFITS: TO PROTECT, SUPPORT, SECURE
Common Questions Answered
Should I offer life and disability insurance to my employees?
Yes. Offering life and disability insurance shows employees you care about their long-term security and well-being — not just their day-to-day needs. These benefits help protect their families and provide critical income replacement in case of serious illness or unexpected loss. Employers who include these coverages are seen as more supportive and are better positioned to attract and retain top talent in Alabama.
What’s the difference between short-term and long-term disability insurance?
Short-term disability insurance typically covers a portion of an employee’s income for a few weeks to several months if they’re unable to work due to an illness, injury, or recovery from surgery.
Long-term disability insurance kicks in after short-term benefits end and can provide income replacement for years — or even until retirement — depending on the plan. Together, these options offer comprehensive protection against unexpected events.
How do these benefits help my business compete for talent in Alabama?
In Alabama’s competitive job market, employees want more than just a paycheck — they want peace of mind. Life and disability insurance help you stand out as an employer who invests in your team’s future. This strengthens loyalty, reduces turnover, and positions your company as an employer of choice.
Can I customize coverage levels to match my budget?
Absolutely. We design plans that fit your budget and meet your workforce’s needs. Whether you want to provide base coverage, offer voluntary options, or build more robust packages, we help you balance affordability with strong employee protections — delivering better benefits, smarter spending.
How do employees enroll and manage their benefits?
With our seamless online enrollment platform, employees can easily enroll, review, and manage their life and disability insurance benefits anytime, anywhere. This reduces paperwork, improves participation, and simplifies administration for your business — all at no extra cost.