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Our Group Short-Term Disability product allows employers to develop a customized benefit offering that may aid employees and their families facing a disabling illness or injury. Having a solid back-up plan in place is key to financial peace of mind.

 

Policy Highlights

  • Provides monthly benefit amounts of $300 to $6,000 in $100 increments are available or 67% of income, whichever is less
  • Flexible plan designs
  • Monthly benefits, paid directly to the insured
  • Coverage is guaranteed, generous Guaranteed Issue Levels
  • No reduction of benefits due to any other coverage
  • Waiver of premium*
  • Pre-existing credit for replacement of prior group coverage**
  • Issue age rates

Customize Your Plan

  • Employer-paid or voluntary
  • Choose which benefits to include
  • Decide who’s eligible
  • Self bill or list bill
  • Benefit periods of 3, 6 or 12 months are available
  • Available Accident/Sickness Elimination Periods (days): 0/7, 7/7, 0/14, 14/14, 30/30, 60/60
  • Partial Disability Rider
  • Limited Pre-Existing Condition Benefit Rider
  • Family and Medical Leave Act (FMLA) Rider
  • Job-Related Accident Only Disability Rider

* Waiver of premium applied once the covered employee satisfies the elimination period and begins receiving disability benefits.
** Credit towards pre-existing condition limitation for the time covered under a prior Group Disability Income policy available.

Refer to the Outline of Coverage for additional details, including policy limitations and exclusions.

Disclaimers