If you’re considering providing insurance coverage for your employees, we’re here to help. We’ve shared answers to some of the most common questions small business owners have about coverage below.
An accident or illness can endanger an individual’s most important asset: the ability to earn a living. Our short-term disability (STD) plans pay benefits when sickness or injury prevents an employee from working full time. We offer STD programs tailored to meet the needs and cost expectations of both employers and employees.
Yes. STD provides short-term income protection for members experiencing a disability and unable to work (optional). FMLA is a federal law and provides job protection.
After eligibility requirements and the elimination period has been satisfied, and if the claim is approved. For additional information please contact your Group Administrator or call 800-721-7987.
Until the member is no longer disabled or until the duration of benefits is exhausted (13 or 26 weeks based on plan design selected).
Claims can be submitted online, via email, phone, mail, or fax. For additional information please contact your Group Administrator or call 800-721-7987.
Ensure the employee is aware of the benefits available and the timeframes in which they can enroll. You can also contact your Group Administrator or call 800-721-7987.
Partial or total disability, as specified in your short-term disability policy.
