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Disability Programs

Short-Term Disability Programs

Short term disability insurance pays benefits for employees when their income is temporarily interrupted by an accident or sickness. Weekly benefits are usually based on a percentage of earnings.

We offer a wide variety of plan design options. Benefits may begin as early as the first day for a disability due to an accident. For disabilities caused by sickness, benefits typically begin on the 8th or 15th day of disability. Most plans provide benefits for up to 3 or 26 weeks of disability.

If employees have to limit their duties or work reduced hours because of a disability, partial disability benefits can help bridge the income gap while they return to full capacity.

Long-Term Disability Programs

A serious disability takes away more than an individual’s earnings – it can take away their sense of control over their own life. We believe disability protection should provide the support and assistance necessary to help the individual return to a healthy and productive life.

A range of plan design options can customize the plan. Monthly benefits are generally based on a percentage of the employee’s pre-disability earnings. Benefits usually begin after 30, 60, 90, or 180 days of disability. Many plans offer benefits to age 65; other common benefit maximums are 2 years, 5 years, or 10 years.

Our standard plans include coverage for normal pregnancy the same as any disability, cost of living freezes to prevent benefit reductions when payments from other sources increase, special coverage for recurrent disabilities, waiver of premium during disability payments, and survivor benefits. Other options are available.