Short-Term Disability Income Insurance

Designed with employers and employees in mind

• 
  Simple Benefits for Employers

  • Available with voluntary, non-contributory and contributory options

  • Flexible plan designs

  • Own job definition of disability – not own occupation

  • Plans may include annual open enrollment, reduced pre-ex limitation

  • Pre-ex is waived for employees insured under a prior individual or group short term disability plan*

  • Mutually Progressive Partial work incentive disability benefit – with as little as a 1 percent earnings loss

• 
  Protection for Employees

  • Peace of mind to help focus on recovery

  • Cash benefits to help pay bills

  • Replaces a percentage of salary (usually 50 to 60 percent)

  • Option of elimination periods being satisfied with either total or partial days of disability

  • Premium waived while receiving voluntary disability benefits

  • If portability is included, coverage is fully portable when an employee is no longer eligible under the policy*

  • Seamless transition to long-term disability if the employee has both Mutual short term disability and long term disability insurance

• 
  Optional Features and Services**

  • Portability

  • Survivor Benefit

  • Vocational Rehabilitation

  • Reasonable Accommodation