IN THIS SECTION:
Products: Traditional Group Short-Term Disability
Our Short-Term Disability products are designed to help employees protect their families should the employee not be able to work because of an injury or sickness and not be receiving a pay check.
Our products offer a variety of plan options that provide a weekly benefit to eligible employees due to a covered injury or sickness. The employer may fully sponsor the plan, pay a portion of the cost, or the employee may pay the entire cost of the plan.
Key STD Product Features
| Eligible Class Descriptions | Between 20 hours and 40 hours |
| Benefit Percentages | Between 40% and 66 2/3% of pre-disability earnings |
| Maximum Payment Amount | Up to $2,500 per week |
| Minimum Payment Amount | Between $25 and $75 per week |
| Maximum Benefit Periods | Between nine and 52 weeks |
| Elimination Periods for Accidental Injuries | Between zero and 60 days |
| Elimination Periods for Sickness or Pregnancy | Between seven and 60 days |
| Non-occupational and 24-hour Coverage | Coverage available |
| First Day Hospital Confinement Benefit | Options available |
| Tax Services | FederalFICA payment and W-2 tax form preparation and filing servcie available |
| Definition of Disability | Own job / Reasonable Employment Option with choice of total, partial, or residual disability included |
| Exclusions and Limitations | Included, although there is no pre-existing condition exclusion |
| Return to Work Incentive | Included |
| Advice to Pay | Options available for groups of over 499 lives that have LTD coverage |
Support Services
Our Short-Term Disability plans are packaged with the Employee Assistance Program.