Offering short-term and long-term can attract more employees to your business. According to the Council for Disability Awareness, 1 of every 4 employees become disabled. Compared with other insurance like auto insurance, life insurance, disability insurance can be costly, with certain appraisals evaluating premiums at a few thousand dollars for each year. Employees with a higher danger of sickness or injury, for example, those with hazardous occupations or previous wellbeing conditions, likely will pay higher premiums. However, the expense of disability insurance can exceed the danger of losing one’s home or not having the option to accommodate one’s family in case of a long-term disability.