Short Term Disability Insurance may be provided as an individual policy or group policy. A comprehensive line of disability products are available to address the diverse income protection needs of clients. Flexible plan options enable coordination with Long Term Disability Insurance plans.
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• Ten life minimum with special coverage for small groups of two to nine persons

• Select benefit schedule, either flat rate or salary percentage

• Flexible plan options which may coordinate with Long Term Disability Insurance

• Benefit duration from 9 to 52 weeks available

• Expanded maximums up to $2,500 a week for qualified groups

• Alternative funding

• First day hospitalized or accident coverage is available

• Choice of elimination period, benefits packages, and maximums

• Partial disability benefit

• Twenty-four hour coverage option available for qualified groups

• Competitive rates.

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.
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• 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.

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