Short Term Disability

• Coverage available for off the job accidents and illness.
• Premiums can be under pre-tax deductions.
• Payments available up to 3 months, 6 months, 12 months, or 24 months.
• Benefits available from up to 60% of gross income to 80% of gross income.
• Guarantee issue available based on group size and employee participation.

Long Term Disability

• Coverage available for off the job accidents and illness.
• Employees can have continuous coverage from their short-term policy to their long-term policy.
• Benefits are payable from up to 5 years or to age 65.
• Own-Occupation payable from 2 years or to age 65.
• Guarantee issue available based on group size and employee participation.