Short-term disability

An STD plan protects employees from a temporary loss of income and provides employers with an extra measure of cost savings should one of their employees become disabled for a short period of time.

Our STD plan integrates the strong return-to-work incentives and rehabilitation programs traditionally desired in a long-term disability plan. Available as a stand-alone short-term disability plan or in conjunction with our long-term disability coverage.

Plan highlights

• Available for groups of three or more lives.
• Flexible schedule of benefits.
• Flexible waiting periods: 1, 8, or 15 days for accidents; 8 or 15 days for sickness
  or maternity.
• First-day hospitalization available.
• 13- or 26-week duration of benefits.
• Non-occupational or 24-hour coverage.
• Benefit maximums up to $600 per week.
• Partial disability and survivor benefit options available.