IJU Agency Ltd.

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At IJU we like to make submitting for a quot as easy as possible for our Clients. Feel free to contact us directly, submit your form online, or send your request to us by fax & email.

STD Insurance Plans are designed to provide coverage for those who have become disabled due to illness, injury, pregnancy, or mental illness. This type of insurance provides for those businesses which hope to supplement a paid sick leave program. Some key features of STD Insurance Plans are:

  1. Maximum insured amount of $5,000 per week.
  2. Choice of non-occupational or 24 hour coverage.
  3. Hospital benefits option.
  4. Flexible 40% to 70% pre-disability earnings packages.
  5. Flexible benefit periods from 3 to 52 weeks.
  6. Flexible waiting periods for accidental injuries raging between 0 - 31 days.
  7. No pre-existing condition limitation. (With most plans.)

LTD Insurance Plans provide the Insured with a monthly benefit to eligible employees who are partially or totally disabled due to illness, injury, pregnancy, or mental disorder. According to the Bureau of Labor Statistics a 20 year old workers has a 30% chance of becoming disabled before retirement age. However, only 1/3 of employees have LTD Insurance. These types of benefits can last for either a set number of years, or until the employees retirement. Some of the key features found in most LTD Insurance plans are:

  1. Maximum benefit amount for up to $25,000 per month.
  2. Flexible 30% to 70% of pre-disability earning packages.
  3. Flexible benefit waiting periods such as 30, 60, 90, 180 days, 1 year, and 2 years.

Group Disability

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Simply fill out the information below to the best of your ability. One of our Brokers will review the information provided, and get back to you shortly! 

get the job done

What's more important than a deadline? Nothing.


We love nothing more than to help our clients deliver the job when the said they would. We have a proven track record of making that happen, even under the most intense deadline pressure. Let us manage the details that trip up most big construction projects so that you fate isn't with those who didn't plan for success.

With a Non-Contributory Plan an Employer may choose to cover the total cost of their employees health insurance. In a Contributory Plan employees contribute to a portion of the owed premium.

HMO's provide a wide range of comprehensive health care services to its members. The premium for this plan is based on a fixed payment schedule.


STD Insurance (Short Term Disability Insurance) 

LTD Insurance (Long Term Disability)

It makes all the difference.

Disability Insurance provides replacement payments which can act as income to an insured in the event that they become disabled resulting from an illness or injury. Coverage is usually divided into categories such as Short Term Disability (STD) and Long Term Disability (LTD).

Protect Your Business

Protect your Employees

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