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Products  /  Group Short-Term Disability

Financial peace of mind providing benefits to families and individuals facing disability.

Disability can not only affect one's physical health, but it can also take a serious financial toll on the financial well-being of individuals and families. Short-Term Disability coverage can help by help by providing benefits that can be used towards day-to-day expenses that occur during a period of disability, such as mortgage, food, utilities and daycare. 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.



Group Short-Term Disability
GROUP
SHORT-TERM
DISABILITY
  • Coverage issued up to 67% of your then current gross monthly salary, including commissions*
  • Provides a monthly benefit, paid directly to you
  • Benefits are not reduced by any other coverage, including Workers’ Compensation
  • Waiver of premium**
  • Pre-existing credit for replacement of prior group coverage†
  • Payroll deducted premiums

*Gross monthly salary includes commissions, which are based on a 6-month average. Bonuses and overtime are not included.

**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 qualifying Group Disability Income policy, subject to Underwriting approval.


Disclaimer

Frequently Asked Questions

Short-term disability insurance covers employees who have a serious illness or injury that prevents them from working and are out of work for 12 weeks or less.
Short-term disability insurance covers employees who have a serious illness or injury that prevents them from working and are out of work for 12 weeks or less.
In order to qualify for short-term disability, you must be:
  • 18+
  • Employed for at least 30 days
  • Work at least 20 hours per week