Plan Features: STD

Group Size	2 - 9 employees (available in most states)
Monthly Benefit	50%, 60%, 66.7%, or 70%⁶ of basic weekly earnings to a $1,000 weekly maximum benefit, less other income benefits. Flat amounts of coverage for all (not to exceed 70% of weekly earnings), less other income benefits
Guarantee Issue	Coverage is available without evidence of insurability for all eligible employees who enroll within 31 days of eligibility
Elimination Period	Zero days for injury or seven days of injury/seven days of sickness
Benefits Commence	First day of injury or eighth day of injury/eighth day of sickness
Benefit Period	Choice of 13 or 26 weeks
Pre-Existing Conditions Limitation	Three months prior/6 months after (Pre-Existing Conditions Limitations may vary by state.)
Coverage Type	Non-occupational
Maternity Benefits	Paid as any other illness
Recurrent Disability	14-day return-to-work period
Contributions	Employers can pay all, part of, or none of the premium
Carve Outs	Permitted for two or more eligible employees within a class. Carve outs cannot exclude preferred risk employees
Rate Guarantee	Initial rate guaranteed for 36 months

6. 66.7% and 70% options are only available for Preferred Risk Employees