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Employer Short Term Disability

Short Term Disability

Don’t lose your best talent because of an injury. We offer Short Term Disability coverage to temporarily provide a percentage of an employee’s wages if they’re unable to work due to a non-occupational illness or accidental injury.

Product Features

  • Weekly Income Replacement Choices: 70%, 66 2/3%, 60%, 50%, 40% or flat dollar amount
  • Elimination Period Options: Zero to 60 days including to the end of accumulated sick leave.
  • Benefit Duration Options: 9-104 weeks2
  • Optional Benefits Such as:
    • First Day Hospital Benefit
    • No offset for State Disability Plans
    • Partial Disability Benefit
    • Pre-Existing Condition Limitation
    • Survivor Benefit
    • Vocational Rehabilitation Benefit
    • Voluntary Plans
    • Work Incentive Benefit
    • 24 Occupational Benefits

2Benefits paid beyond 26 weeks integrate with Social Security.