Life & Disability Insurance

Support Your Employees—Even in Tough Times

Life and disability insurance helps your employees protect what matters most. Glenn McDonald works with small businesses in Los Angeles to offer meaningful, affordable group life and disability coverage—designed to give your team peace of mind, no matter what life throws their way. 

What Life & Disability Coverage Includes

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Group Term Life Insurance

Provides financial protection to employees’ families in case of unexpected loss.

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Short-Term Disability

Income replacement for employees temporarily unable to work due to injury or illness.

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Long-Term Disability

Ongoing support for employees with serious or extended health challenges.

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Accidental Death & Dismemberment

Extra protection in case of severe injuries or accidental death.

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Employer Flexibility

Choose contribution levels that match your budget and benefits strategy.

FAQs About Life & Disability Insurance

  • Is group life insurance required in California?

    No—but they’re highly valued by employees and are easy to add to your benefits package. Glenn helps LA businesses build affordable add-on options.

  • How is disability insurance taxed in California?

    Yes, plans are available separately or together. Glenn will help you pick what makes sense based on employee needs.

  • Can I offer these benefits to part-time employees?

    General liability doesn’t cover employee injuries or professional service errors. Glenn can help LA businesses add the right policies to fill the gaps.

  • Are plans affordable for small businesses?

    Some plans include waiting periods for major services. Glenn helps you compare options and find the best fit.

  • What happens if I already offer health insurance?

    That’s great—life and disability add depth to your overall benefits strategy. Glenn will show you how they work together.