For many Americans the only life insurance they have is what is provided through their place of employment and, with the cost of individual disability insurance rather prohibitive for the average person, most also look to the workplace for disability coverage.   Employers can rest easily, however.  Group term life insurance is inexpensive and guaranteed issue for groups with five or more employees  and many plans include the option for voluntary spousal and child coverage.

Short-term and long-term disability plans are also available at little or no cost to the employer’s business and, may be guaranteed issue with as few as two employees.