Short Term Disability is an invaluable coverage designed to provide partial income replacement for eligible employees who become disabled as a result of covered accident or sickness, including pregnancy.
| Minimum Size Group |
10 lives
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| Minimum Participation |
Non-contributory: 100% if the employer pays the entire cost.
Contributory: 75% if the employees contribute to cost.
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| Benefit Periods Available |
13 Weeks or 26 Weeks (Other benefit periods may be available upon request to coincide with a Long Term Disability Plan's elimination period.)
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| Benefits Begin |
The 1st, 8th, 15th or 31st day of disability for accident and/or sickness. First day benefits, for accident only, are also available.
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| Benefit Percentages and Maximum Benefits |
Recommended: 50% or 60% of weekly earnings
Maximum percentage is 70% of weekly earnings to a maximum benefit of:
Number of Employees |
Max.Weekly Benefit* |
10-24 |
$500 |
25-49 |
$750 |
50-99 |
$1,000 |
100 & over |
$1,500 |
*Guaranteed Issue amount may be less than the maximum benefit. |
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| Schedules Available |
Earnings Schedule with STD benefits equal to 50%, 60%, 66 2/3% or 70% of the employee's weekly earnings to a maximum dollar amount.
Occupational Schedule with classes and amounts that must be designed so that the amount of insurance will not exceed 70% of the lowest earnings in each class. |
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| Termination |
STD Benefits terminate at retirement and may not be converted.
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Additional details will be provided upon request.
DISCLAIMER: This is a brief description of the products offered by USAble Life. These descriptions are for informational purposes only. Products and provisions described may not be available in all states. Specific provisions may vary by state. The policy contains a complete description of benefits, provisions, limitations and exclusions. In the event of a conflict between this description and the policy, the policy will prevail.