Small Group Long-Term Disability Insurance replaces a percentage of your employees' pre-disability earnings up to a maximum benefit on a monthly basis. It provides benefits up to Social Security Normal Retirement Age with Standard ADEA Grading and is available to you if you have three to nine employees.

Maximum Benefit

Maximum monthly benefits range from $4,500 for groups with three or four lives to $7,500 for groups with five to nine employees. Benefit percentages are 50%, 60% or 66-2/3% of predisability earnings, depending upon your industry.

Rate Guarantee Period

The rate you pay to insure your employees is guaranteed to remain the same for one year. Changes in the premium could occur, however, if an employee enters a new five-year age band, or experiences an increase or decrease in predisability earnings. This can happen even during the one-year guarantee.

Partial Disability Benefit

Disability benefits are available through a Small Group Long-Term Disability insurance policy for employees with a partial disability. No total disability is ever required for benefits.

Beginning Date

The beginning date indicates the length of time an insured must be disabled before benefits begin to accrue. For a Small Group Long-Term Disability insurance policy, there are two to choose from: 91 and 181 days. The number of days your employees wait before the beginning date of their benefits accrual includes the days they are disabled or partially disabled.

Conversion of Insurance

This important feature allows all eligible employees to extend disability insurance coverage if for specific reasons their coverage terminates. Employees must be insured under your plan for at least one year on the date insurance ends to be eligible.

Our Claims Management Philosophy

We don't just approve and deny claims. We appoint benefits analysts who will pick up the phone and call the insured and develop a working relationship. Our analysts are fully capable of evaluating and properly adjusting all disability claims.
Our claims procedures are sound and efficient. We go above and beyond to track your claim experience and work with you to implement loss control techniques. We have well established and effective programs in place to help claimants receive Social Security disability benefits. And most importantly, we provide in-house and outside vendor vocational assistance to help claimants return to work.

Pre-Existing Condition Exclusion

Employees will not be covered for a disability caused by a pre-existing condition. A pre-existing condition is a mental or physical condition for which an employee has consulted a physician or practitioner, received medical treatment or services, or taken prescribed drugs or medications at any time during the pre-existing condition period.

The amount of benefits provided depends upon the plan selected. Premiums will vary with the amount of benefits selected. Policies do have exclusions, limitations and may have reduction of benefits.

For costs and complete details of coverage, contact us: 1-877 656-0427.

Small Group Short-Term Disability Insurance replaces a percentage of your employees' pre-disability earnings up to a maximum benefit on a weekly basis. It provides weekly benefits for disabilities lasting up to 26 weeks and is available to you if you have three to nine employees.

Maximum Benefit

Up to 60% of pre-disability earnings can be paid as the benefit, with a maximum of $500 weekly for groups of three to four lives and $1,000 weekly for groups with five to nine lives.

You may also choose from two maximum benefit time periods, either 13 or 26 weeks.

Rate Guarantee Period

The rate you pay to insure your employees is guaranteed to remain the same for one year. Changes in the premium could occur, however, if an employee enters a new five-year age band, or experiences an increase or decrease in predisability earnings. This can happen even during the one-year guarantee.

Beginning Date

The beginning date indicates the length of time an insured must be disabled before benefits begin to accrue. For a Small Group Short-Term Disability insurance policy, the number of days employees wait before the beginning date of their benefits accrual includes the days they are disabled or partially disabled.

Our Claims Management Philosophy

We don't just approve and deny claims. We appoint benefits analysts who will pick up the phone and call the insured and develop a working relationship. Our analysts are fully capable of evaluating and properly adjusting all disability claims.

Our claims procedures are sound and efficient. We go above and beyond to track your claim experience and work with you to implement loss control techniques. We have well established and effective programs in place to help claimants receive Social Security disability benefits. And most importantly, we provide in-house and outside vendor vocational assistance to help claimants return to work.

Pre-Existing Condition Limitation

Employees will not be covered beyond six weekly benefit payments for a disability caused by a pre-existing condition. A pre-existing condition is a mental or physical condition for which an employee has consulted a physician or practitioner, received medical treatment or services, or taken prescribed drugs or medications at any time during the pre-existing condition period.

The amount of benefits provided depends upon the plan selected. Premiums will vary with the amount of benefits selected. Policies do have exclusions, limitations and may have reduction of benefits.

For costs and complete details of coverage, contact us: 1-877 656-0427.

Large Group Long-Term Disability Insurance replaces a percentage of your employees' pre-disability earnings up to a maximum benefit on a monthly basis. It provides benefits up to Social Security Normal Retirement Age with Standard ADEA Grading and is available to you if you have ten or more employees.

Maximum Benefit

Maximum monthly benefits are provided up to $25,000 depending upon the number of insured employees and the industry of your business.

Rate Guarantee Period

The premium rate you pay to insure your employees is guaranteed to remain the same for at least one year. Depending on the industry of your business and the number of employees insured, your premium rate may be guaranteed as long as three years.

Partial Disability Benefit

Disability benefits are available through a Large Group Long-Term Disability insurance policy for employees with a partial disability. No total disability is ever required for benefits.

Beginning Date

The beginning date indicates the length of time an insured must be disabled before benefits begin to accrue. For a Large Group Long-Term Disability insurance policy, there are five to choose from: 31, 61, 91, 181 and 366 days. The number of days your employees wait before the beginning date of their benefits accrual includes the days they were disabled or partially disabled.

Optional Indexed Income Benefit

After 12 months of disability, the monthly benefit is adjusted to reflect any increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers compared to the year the disability began. The adjustment is capped at a maximum of 4 with him % or 8%, compounded annually. This optional benefit is redetermined every year on the anniversary of the disability and will continue for the full benefit duration.

Conversion of Insurance

This important feature allows all eligible employees to extend disability coverage if for specific reasons their coverage terminates. Employees must be insured under your plan for at least one year on the date insurance ends to be eligible.

Our Claims Management Philosophy

We don't just approve and deny claims. We appoint benefits analysts who will pick up the phone and call the insured and develop a working relationship. Our analysts are fully capable of evaluating and properly adjusting all disability claims.

Our claims procedures are sound and efficient. We go above and beyond to track your claim experience and work with you to implement loss control techniques. We have well established and effective programs in place to help claimants receive Social Security disability benefits. And most importantly, we provide in-house and outside vendor vocational assistance to help claimants return to work.

Pre-Existing Condition Exclusion

Employees will not be covered for a disability caused by a pre-existing condition. A pre-existing condition is a mental or physical condition for which an employee has consulted a physician or practitioner, received medical treatment or services, or taken prescribed drugs or medications at any time during the pre-existing condition period.

The amount of benefits provided depends upon the plan selected. Premiums will vary with the amount of benefits selected. Policies do have exclusions, limitations and may have reduction of benefits.

For costs and complete details of coverage, contact us: 1-877 656-0427.

Large Group Short Term Disability Insurance replaces a percentage of your employees' predisability earnings up to a maximum benefit on a weekly basis. It provides benefits up to 52 weeks and is available to you if you have ten or more employees.

Maximum Benefit

Maximum weekly benefits are provided up to $5,000 depending upon the number of insured employees and the industry of your business.

Rate Guarantee Period

The premium rate you pay to insure your employees is guaranteed to remain the same for at least one year. Depending on the industry of your business and the number of employees insured, your premium rate may be guaranteed as long as three years.

Partial Disability Benefit

Disability benefits are available through a Large Group Short Term Disability insurance policy for employees with a partial disability. No total disability is ever required for benefit.

Beginning Date

The beginning date indicates the length of time an insured must be disabled before benefits begin to accrue. For a Large Group Short Term Disability insurance policy, there are several to choose from.1/8, 8/8, and 15/15 are the most common beginning dates. The number of days your employees wait before the beginning date of their benefits accrual includes the days they were disabled or partially disabled.

Our Claims Management Philosophy

We don't just approve and deny claims. We appoint benefits analysts who will pick up the phone and call the insured and develop a working relationship. Our analysts are fully capable of evaluating and properly adjusting all disability claims.

Our claims procedures are sound and efficient. We go above and beyond to track your claim experience and work with you to implement loss control techniques. We have well established and effective programs in place to help claimants receive Social Security disability benefits. And most importantly, we provide in-house and outside vendor vocational assistance to help claimants return to work.

Pre-Existing Condition Exclusion

Pre-Existing Condition Exclusions do not apply to benefit amounts of $1,500 per week or less. For weekly benefit amounts in excess of $1,500, employees will not be covered for a disability caused by a pre-existing condition. A pre-existing condition is a mental or physical condition for which an employee has consulted a physician or practitioner, received medical treatment or services, or taken prescribed drugs or medications at any time during the pre-existing condition period.

The amount of benefits provided depends upon the plan selected. Premiums will vary with the amount of benefits selected. Policies do have exclusions, limitations and may have reduction of benefits.

For costs and complete details of coverage, contact us: 1-877 656-0427.

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