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DISABILITY INSURANCE (SHORT & LONG TERM) |
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Short Term Disability Insurance |
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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.
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Long Term Disability Insurance |
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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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[ Up ] [ Retirement & Pension Services ] [ Group Health ] [ Disability Insurance: Group & Individual ] [ Group Life and Accidential Death & Dismemberment ] [ Investment Services ] [ Employee Benefit & Investment Insurance Companies ]
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