Why purchase group short-term disability insurance?
Short-term disabilities may be more common than you think. Pregnancy, digestive disorders and recovery time are all conditions that may qualify for claims. Short-term disability insurance can cover up to 60% of your income for a limited period — usually nine weeks to a year — so you can focus on recovery, not your finances.
Six in 10 Americans today don’t have enough savings to cover a $500 unplanned expense. 1
In addition to a group rate, buying short-term disability insurance through your employer also means:
Less paperwork — just one simple enrollment form.
No medical questionnaires if you enroll during your initial eligibility period. 2
Payments are made through convenient payroll deduction.
Employee assistance and health care navigation programs
Should you go on short-term disability leave, our Employee Assistance Program (EAP) and HealthChampion® program provide access to professional resources that can help you get back on your feet.
Employee Assistance Program
Whether it’s locating child or elder care, dealing with substance abuse or managing family relationships, the Employee Assistance Program helps you find resources to manage life’s challenges.
The program includes up to five face-to-face visits with a counselor, financial planner or lawyer each calendar year. 3
Guidance Consultants are available day and night to answer questions about your benefits, help with billing and claims issues and connect you with health care providers.
6 in 10 Americans don’t have $500 in savings, https://www.bankrate.com/pdfs/pr/20170112-January-Money-Pulse.pdf.
Up to the maximum guaranteed issue amount.
In California, counseling sessions are limited to three sessions in a six-month period.
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