If you’re considering providing short-term disability 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 short-term disability coverage below. For more information, read our Disability Insurance Guide for Small Business Owners.
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.
We offer employer-sponsored and voluntary group STD plans that feature:
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.
Disability insurance benefits begin after the eligibility requirements and the elimination period have been satisfied, and once the claim has been 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 the selected plan).
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.
No, you are not required to offer STD insurance to your small business employees in Illinois.
Partial or total disability, as specified in your short-term disability policy.
