Group Short-Term Disability

disabilityGroup Short Term Disability (STD) insurance offers income protection insurance that partially replaces lost income as a result of a disabling non-occupational accident or illness. The benefit assists in covering ongoing expenses during a period when no income is available to pay for them.

Some of these covered expenses include:

  • Mortgage or rent payments
  • Car payments
  • Educational Expenses
  • Food, clothing and other necessities
  • Medical Co-payments
  • Medical costs not covered under other plans
  • Travel and lodging expenses for treatment

Short-Term Disability (STD) provides protection for injuries and illnesses that extend for short-term events.  The premium for Short-Term Disability Insurance will vary based on a number of factors:

  • Elimination periods: These are the number of days beginning with the first day of total disability before any benefit is payable.
  • Benefit periods: The duration for which benefits are payable after the elimination period ends.
  • Benefit Amount: The benefit amount is usually a percentage of income . The maximum benefit allowed is often subject to state specific regulations.

Short-Term Disability (STD) plans generally offer a Waiver of premium benefit that will waive the requirement to pay premium when an insured is receiving disability benefits. Another provision commonly found in these policies is the guarantee that premiums will not increase on existing coverage as you age, and your coverage is guaranteed renewable up to age 70 as long as premiums are paid when due.

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Coverage for Short-Term Disability may be limited by a number of exclusions that include:

  • Pre-Existing Conditions – usually 12 month time limit
  • Limits from state regulations
  • Injury for which benefits are covered under workers’ compensation
  • Employee must be under the regular care of physician during the period after an injury in order to receive coverage
  • Intentional or self-inflicted injuries
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