Group life and disability insurance

Group disability insurance

Disabling accidents or illnesses can happen to anyone. And when they do, the financial effects of being unable to work can be difficult.

Disability insurance replaces a portion of an employee's income when they are unable to work due to an illness or injury so they can focus on what matters most—recovery.


Two coverage options

Choose one or both—whichever meets your needs:


Short-term disability insurance

Used when employees are unable to work for a shorter period of time, like after the birth of a child or a surgery.


Long-term disability insurance

For when employees are out for an extended amount of time, such as a life-altering illness or injury.

Key features

You have options

Choose whether employees pay part of the premium (contributory) or you cover all of the premium costs (noncontributory).

Protection and savings

When you purchase disability insurance at our group rate, you can provide employees with coverage at a typically lower cost than individual coverage.

Additional support1

Help your employees manage life’s challenges with our Symetra SupportSM programs:

•  Employee assistance program (EAP)

•  Health care navigation program

Guaranteed rates

Depending on your policy, your rates may be guaranteed to stay the same for as long as three years:

•  Two-year rate guarantee for short-term disability plans2

•  Three-year rate guarantee for long-term disability plans2

Next steps

To learn more, contact your benefits broker or consultant.


Group disability insurance policies are insured by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004 and are not available in any U.S. territory. Our New York subsidiary insures products for New York policyholders.

EAP and Health Care Navigation are offered by ComPsych® Corporation through Symetra Financial Corporation subsidiaries. Benefits may not be available in all states. ComPsych is not affiliated with any of the subsidiaries under Symetra Financial Corporation. For more information, visit ComPsych © 2024 ComPsych Corporation.

If you’re an employer in Arizona, please click this link to view the exclusions and limitations for disability insurance.

1 May not be available in all states.
2 Underwriting and package requirements may apply.