Short Term Disability Insurance
May be provided as individual policy or group policy. Comprehensive line of disability products available to address diverse income protection needs of clients. Flexible plan options enable coordination with Long Term Disability Insurance plans. Ten life minimum w/ special coverage for small groups of 2-9. Select benefit schedule; flat rate or salary percentage. Benefit duration 9- 52 weeks available. Expanded maximums up to $2,500 a week for qualified groups. Alternative funding. First day hospitalized or accident coverage available. Choice of elimination period, benefits packages, and maximums. Partial disability benefit. 24 hour coverage option available for qualified groups. Competitive rates.

Long Term Disability Insurance
Long Term Disability Insurance may be provided as an individual policy or a group policy. A comprehensive line of group disability products are available to address the diverse income protection needs of the participants. A flexible plan design, specialized cost-containment programs, and range of benefit percentages are used to satisfy the needs of a variety of organizations.Ten life minimum with special coverage for small groups of two to nine persons. Up to $3,500 monthly maximum. Benefit duration to age 70. Two year rate guarantee. Range of benefit options are 50%, 60%, 66 2/3%, and 70%. Elimination periods may range from 30, 60, 90, or 180 days. Liberal definitions of liability. Cost of living adjustment. Work incentive benefit. Waiver of premium. Conversion privilege. Retirement income protection. Revenue protection. Premiums are determined by age, sex, and job classification.