Group Disability Insurance for Houma, Louisiana Employers

Clement Insurance Agency | Serving Houma, New Orleans & South Louisiana

Optional Add-Ons

Ask us about rental reimbursement, roadside assistance, and gap coverage — extras that make real-life driving easier.

What Your Policy Should Cover

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Short-Term Disability

Replaces a portion of an employee’s pay (typically 60–70%) for a limited period (such as 3–6 months) after an illness, injury, or surgery.

Long-Term Disability

Kicks in after short-term benefits end, providing income for more serious or extended disabilities—sometimes up to retirement age.

Voluntary vs. Employer-Paid

Employers can fully pay for coverage or offer voluntary plans employees can buy at group rates.

Additional Features

  • Partial Disability: Benefits if an employee can work part-time or in a reduced capacity.


  • Return-to-Work Programs: Support and incentives for employees to come back after recovery.

Who Needs Group Disability Insurance?

If you employ people in Houma, New Orleans, or anywhere in South Louisiana, group disability insurance is a smart way to protect your workforce—and your business. Disability coverage provides income replacement if an employee can’t work due to illness or injury. This not only supports your team but also helps with retention and morale.


Clement Insurance Agency helps local employers offer short-term and long-term disability benefits as part of a comprehensive employee package. We compare plans, explain options, and handle the setup so you can focus on your business.

Wondering if disability coverage makes sense for your team?
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How the Process Works

Step 1

We learn about your workforce, industry, and any existing benefits.

Step 2

You receive quotes for short-term, long-term, or combined disability options.

Step 3

We explain the differences, eligibility, costs, and plan design—plain language, no jargon.

Step 4

Support for enrollment, claims, and ongoing questions—always with a local team.

Frequently Asked Questions

  • What’s the difference between short-term and long-term disability insurance?

    Short-term covers brief absences (up to a few months); long-term helps with serious illnesses or injuries lasting longer.

  • Can employees buy extra coverage?

    Many plans allow voluntary “buy up” options for higher benefit levels.

  • How are benefits paid?

    Most pay a set percentage of the employee’s regular income, up to a monthly maximum.

  • Who pays for group disability insurance?

    Employers, employees, or both—it’s flexible.

  • Why work with a local agency?

    You get clear, local guidance, flexible plan design, and steady support from a team who knows South Louisiana business.

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Ready to Get Started?

Support your team and strengthen your business with group disability insurance. Clement Insurance Agency helps employers in Houma, New Orleans, and South Louisiana set up affordable, effective disability coverage. Get your group disability quote today.