rELATED brochure


Group Short Term Disability (STD) is an employer provided benefit that is designed to assist an employee in replacing income, on a short term basis, lost as a result of a disability. The method in which most insurance companies use to calculate the percentage of replaceable income usually falls in the range of 60% of gross weekly income. The goal being that the STD plan is designed to replace a portion of an employees lost income that is close to the employee's after-tax take home pay. The following are some provisions that make up the bulk of a Short Term Disability contract:

  • Maximum Covered Salary - This is determined by the employer and the total volume of salary of the employees in the company.
  • Elimination Period - This is the amount of time that must pass before a disabled employee becomes eligible for benefits. This can be anywhere from the 1st day of disability to the 30th day.
  • Duration of Benefits - This represents how long benefits will be payable, i.e. 4 to 26 weeks.
  • Own Occupation Protection - This feature ensures that if an employee is disabled, and cannot perform the material duties of his or her own occupation that they were trained for--they will still be considered totally disabled. This can be as short as 2 years or as long as standard retirement age (ADEA).
  • Residual Disability - If an employee is disabled and then returns to work, and experiences an earnings loss of 20% or greater, the employee will still receive a benefit to offset this earnings loss. 

Product Highlights:

  • Eligible Employees - may include, but is not limited to all active full and part-time employees, and / or
  • Benefit Maximum - maybe a flat amount or multiple of earning, and  /or benefit limits may vary within each class as determined by the employer, subject to underwriting and the selected carrier.   
  • Waiting Periods - may apply as determined by the employer prior to receiving benefits usually following 30, 60 or 90 days from the date of hire.
  • Minimum Hours - employees maybe required to work regularly a minimum of 20 to 40 per week as determined by the employer, subject to underwriting approval by the selected carrier.
  • Contributions - Employers pays 100% of the cost of premiums for any / and all class(s) of employees covered under these policies.
  • Definition of Earnings - benefits maybe provided based on a flat amount or multiples of annual earnings that may include based salary, bonus, and / or commissions up to a specified maximum.
  • Guarantee Issue - no medical underwriting and / or related requirements based benefit plans up to pre-determined limits with selected carriers based on the number of covered lives.
  • Benefit Reduction - the amount of coverage or limits maybe reduce at specified ages based on the number of lives with selected carriers.

Family Benefits Package: 

Provides career adjustment, child care and higher education benefits* to family members of insured
employees who die as a result of an accident 

Seat Belt Benefit: 

Pays a benefit equal to the amount of the AD&D benefit, up to $10,000, to beneficiaries when an employee dies in an automobile accident while wearing a seat belt

Air Bag Benefit:

Provides further protection in the event of a covered automobile accident for which the Seat Belt Benefit is payable.

Travel Assistance: - Provides a broad range of support to your clients' employees who travel 100 or more miles from home with a 24 Hr Multi-Lingual Access Internationally.

Emergency Evacuation - Secure authorization for treatment & Transport.

Repatriation of Remains - Secure Government Authorization & Transport of Remains.

Paralysis - Insured who suffer a covered injury resulting in quadriplegia receive the Principal Sum; in paraplegia, 75% of the Principal Sum; and in hemiplegia, 50% of the principal Sum.