Short Term Disability

It is often difficult for one to envision being disabled in the future. The word "disability" often conjures up thoughts of serious injury and bodily harm. Yet, there are times in life when it is necessary to be out of work beyond most companies' standard vacation or sick leave policies, for example - maternity leave.

If your employees were injured or got sick and were unable to work, they would still need some form of income. Short Term Disability (STD) protects members against short-term loss of income due to injury or illness.

The Council's Employee Benefits Group offers a competitively priced Short Term Disability (STD) program at low, affordable group rates with flexible benefit options. In addition, our Short Term Disability plans are designed to complement our Long Term Disability programs. For example, a 13-week duration period under the Short Term Disability plan matches up with the 90-day elimination period under the Long Term Disability program.

Features of the Group Short Term Disability Insurance program include:

• Contract provisions that provide return-to work incentives
• Telephonic claims process available
• Easy integration with LTD, FMLA Administration and WC programs
• Various funding arrangements (salary continuation and Administrative Only Services
• First Day Hospital Coverage available

With this STD plan, small businesses get all the advantages of large group coverage without many of the restrictions that usually come with the small group plans. The BASE-Plan program provides the right coverage at the right price.

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• Full Maternity Coverage
• Choice of Benefit Duration: 13 weeks or 26 weeks
• Benefits begin on the 1st day for an injury and on the 8th day for an illness
• Weekly benefits as high as $500
• Telephonic Claim Submission

Programs Offered

Rates

The following table provides the rates as well as an explanation of how to calculate monthly costs.

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The cost is based, in part, on the member's salary, or a flat amount for Option I, which you must type in the amount field. Use only digits (0-9) and a single decimal point (.) to enter a valid dollar amount, such as 51000. Here are some typical examples of invalid amounts:

• $51000 - please do not type the dollar ($) symbol
• 51,000 - please do not type any commas (,)
• 51000.002 - too many decimal places, use 1 decimal place 21000.1 or two 21000.50

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Member companies with 10 or more employees can enjoy the following plan highlights in their Short Term Disability Benefit Plan:

• Full Maternity Benefits
• Non-occupational Losses Covered
• Services for Independent Living

Additional plan features are available at slightly higher premium rates. They include:

• First Day Hospital Confinement
• Occupational Loss
• Partial Disability
• Residual Disability Benefits

Additional Options

The Council's Employee Benefits Group offers additional plan designs that can be tailored specifically to meet the needs of your employees. Please contact the us to discuss your options.

Rates

Please  contact a representative from the Council's Employee Benefits Group to receive a personalized quote.

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This information is not intended for use without professional advice. While we have attempted to make this site as accurate as possible, it is only a summary. For more information, see our disclaimer.

Last updated on:  Monday, January 30, 2006  Page: 

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