Statutory Requirement
  • Government payments to replace income in the case of disability
  • ZUS contributions of 8% (1.5% from employee, 6.5% from employer)
Market Median
  • Employer covers 50 to 70% of premiums
  • 50% to 70% income replacement
  • Fixed for a period of 2 to 5 years
  • Waiting period of 30 to 90 days
  • Included in life insurance plans
Market Leading
  • Employer funded premium
  • 80% income replacement
  • Payable until retirement