short-term disability source list -...

73BenefitsSellingMag.com • July 2008 • Benefits Selling

Short-term disability source list

This list represents those companies that chose to participate and has been edited for space.

Aflac706-660-7008www.aflac.com

Policy name Short-Term Disability

States available All

Minimum group size Five

Voluntary or employer-paid coverage Voluntary, employee paid short-term disability.

Eligibility requirements Working a full-time job of 30 hours or more and earn a minimum of $12,000annually. Available to applicants of ages 18-64.

Underwriting/coverage amounts Depending on the benefit period, up to $5,000 per month.

Elimination period Depending on the benefit period, 0/7 to 180/180

Maximum benefit period? 24 months

What is the maximum monthly benefit? Depending on the benefit period, up to $5,000.

AIG Employee BenefitSolutions877-672-1647www.aigebs.com

Policy name AIG Group Short-Term Disability Insurance

States available All except Hawaii

Minimum group size 2 lives

Voluntary or employer-paid coverage Both employer-funded and employee-paid plans are available.

Eligibility requirements Employees must be actively at work 30 or more hours per week.

Underwriting/coverage amounts Eligible groups may qualify for up to $2,000 of weekly disability income benefits subjectto the lesser of the industry maximum or an average of the top five salaries.

Elimination period 0, 7, 14 or 29 days for injury; 7, 14 or 29 days for sickness.

Maximum benefit period? Up to 52 weeks depending on plan specifics.

What is the maximum monthly benefit? Up to $2,000 per week (maximum may vary based on the specifics of the group)

Allied National888-767-7133www.alliednational.com

Policy name Allied Life and Disability


Minimum group size 2

Voluntary or employer-paid coverage Employer Paid, Minimum 25% of the employees cost.

Eligibility requirements 30 hours per week, appearing on the state quarterly tax and wage report.

Underwriting/coverage amounts 60% of salary to $1,000

Elimination period 1-8 or 8-8

Maximum benefit period? 13 or 26 weeks

What is the maximum monthly benefit? 1000 per week

Allstate WorkplaceDivision888-694-3275www.allstateatwork.com

Policy name Paycheck Protector


Minimum group size None (5 policies when payroll deducted)

Voluntary or employer-paid coverage Voluntary

Eligibility requirements Actively at work. Ages 18-69 most states. Simplified issue health, income, occupa-tion. No medical or blood tests.

Underwriting/coverage amountsUp to 60% of income or up to $5,000/month. Contingent Guaranteed Issue for 50employees or more. 12 mo pre-ex. Maximum takes other DI coverage amounts intoconsideration. Minimum $400/month. Minimum annual income $8,000.

Elimination period 0/7, 7/7, 0.14, 14/14, 30/30, 90/90, 180/180 Can vary by state


What is the maximum monthly benefit? $5,000/month or 60% of income, most states

American FidelityAssurance Co.877-967-5748www.afadvantage.com

Policy name Paycheck Protector

States available All except New York North Dakota

Minimum group size 5 Acceptable Applications (Trust Issue) or 25 Eligible Lives (Direct Issue)

Voluntary or employer-paid coverage Voluntary.

Eligibility requirements Active, full-time employees working a minimum of 25 hours per week.

Underwriting/coverage amounts Guarantee Issue of up to $3,000 in monthly benefit is available if participationrequirements are met.

Elimination period 7/7 up to 30/30.

Maximum benefit period? 2 years.

What is the maximum monthly benefit? 60% of salary, exclusive of bonus and/or overtime earnings, up to a maximum of $7,500.

74 Benefits Selling • July 2008 • BenefitsSellingMag.com



American Public Life800-256-6736 ext 203www.Ampublic.com

Policy name G111

States availableAlabama, Arizona, Arkansas, Colorado, Delaware, Georgia, Indiana, Iowa, Kansas,Kentucky, Louisiana, Massachusetts, Michigan, Mississippi, Missouri, Nebraska,New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, SouthCarolina Tennessee, Texas, Virginia, West Virginia and Wisconsin



Eligibility requirements Fuill time employee

Underwriting/coverage amounts GI $3.000 per month. Simplified issue to $6,000 per month

Elimination period 0-7 to 30-30


What is the maximum monthly benefit? $6,000

American SentinelInsurance Co.800-692-7338www.americansentinel.cc

Policy name Individual Short-term Disability

States available Delaware, Illinois, Indiana, Iowa, Louisiana, Maryland, Missouri, Nevada, NewYork, Ohio, Pennsylvania, South Carolina and West Virginia


Voluntary or employer-paid coverage Voluntary, i’s individual STD that pays in addition to workers’ Ccomp or SocialSecurity. One page application No income documentation No Physical

Eligibility requirements Medically underwrite

Underwriting/coverage amounts Up to $1,500 a month tax fress

Elimination period 0-15 - 30-30-60-60

Maximum benefit period? 1 Year

What is the maximum monthly benefit? $1,500 a month

Assurant EmployeeBenefits816-474-2345www.assurantemployeebene-fits.com

Policy name Assurant Employee Benefits offers several group short-term disability products.



Voluntary or employer-paid coverage Assurant Employee Benefits offers both voluntary and employer-paid group short-term disability coverage. However, voluntary STD is not available in New York.

Eligibility requirements Eligibility requirements vary from group to group, as Assurant Employee Benefitsallows the employer/policyholder to determine these.

Underwriting/coverage amounts Coverage amounts vary based on coverage elected. Most amounts are availableon a guaranteed issue basis for timely applicants.

Elimination period The elimination period varies according to policyholder choice – 7 days and 14days are standard.

Maximum benefit period? The maximum benefit period varies according to policyholder choice – 13 and 26weeks are standard.

What is the maximum monthly benefit? The maximum monthly benefit varies based on policyholder choice -- $1,000 perweek is standard.

Brokers National LifeAssurance Co.800-798-1125www.bnlac.com

Policy name Group Short Term Disability Insurance

States availableAll except California, Connecticut, Hawaii, Kentucky, Maine, Maryland, Massachusetts,Minnesota, New Hampshire, New Jersey, New York, North Carolina, North Dakota,Rhode Island, Vermont, Virginia, Washington, Washington, D.C., and Wisconsin

Minimum group size Three


Eligibility requirements Full-time employees working a minimum of 30 hours a week.

Underwriting/coverage amounts Up to $500 weekly benefit

Elimination period n/a


What is the maximum monthly benefit? About $2,000 month




Combined Insurance866-857-2317www.CombinedInsurance.com

Policy name Disability Income

States available All except New Hampshire


Voluntary or employer-paid coverage Voluntary--employee paid. Policies are individually underwritten.

Eligibility requirementsIssue ages 18-63 Min. income requirement: $12,000 ($14,000 in NY, NJ, RI, HI and WV)Must be actively at work on date of enrollment Must work full time and employed withsame employer for at least 6 months

Underwriting/coverage amounts $500 to $5000 per month (up to 60%) of salary

Elimination period (accident/sickness) 0/7,7/7,14/14,30/30, 90/90, 180/180 days (VA & VT do not allow180 day elim periods)

Maximum benefit period? Base policy: 12 months; extended benefits rider for additional 1 or 4 years

What is the maximum monthly benefit? 60% of salary up to $5,000; in CA up to 20% of salary

Companion Life800-753-0404www.CompanionLife.com

Policy name Short Term Disability

States available All Except California Connecticut, Hawaii, New Jersey and New York

Minimum group size 2 for employer-paid STD, 3 for Voluntary STD

Voluntary or employer-paid coverage Companion Life offers employer-paid and Voluntary STD plans

Eligibility requirements Full-time employees working 30 hours a week are eligible.

Underwriting/coverage amountsEmployer-paid: maximum benefit and GI - 60% of earnings to $750/week for groups of2-9 with no pre-ex. Higher amounts available to groups of 10 +. Voluntary STD:Maximum benefit and GI - 66 2/3% to a maximum of $750/week.

Elimination period First day accident, eigth day sickness. Other elimination periods are available.

Maximum benefit period? 13, 26 and 52 week benefit periods available

What is the maximum monthly benefit? We express the maximum benefit as a weekly benefit, not monthly.

Conseco Insurance Co.800-266-6002www.partnerwith.com/worksite/

Policy name Conseco Wage Guard

States available All except California, Connecticut, Florida, Maryland, Minnesota, Montana,Nevada, New Jersey, New York, North Dakota, South Dakota and Vermont

Minimum group size 25% of eligible employees or six lives, whichever is greater

Voluntary or employer-paid coverage Voluntary, but employer can pay all or part of the coverage

Eligibility requirementsEmployees must be full-time W2 employees; work a minimum of 30 hours perweek; work and reside in the U.S. and meet all the eligibility guidelines defined bythe employer

Underwriting/coverage amounts Benefits amounts up to $1,700 per week (subject to maximum benefit percentagesand plan design)

Elimination period Multiple options available

Maximum benefit period? Two years


Continental AmericanInsurance Co.800433-3036www.caicworksite.com

Policy name Group Short Term Disability

States available All except California, Michigan, Minnesota, New Hampshire and New York


Voluntary or employer-paid coverage This coverage is voluntary

Eligibility requirements Employees working 30 hours or more per week, who have completed at least onemonth of continuous employment.

Underwriting/coverage amounts Coverage amounts are based on salary. Employee may apply for up to 50% of salary.

Elimination period Can be customized



Disability InsuranceResource Center800-551-6211www.di-resource-center.com

Policy name Varies



Voluntary or employer-paid coverage Either

Eligibility requirements $20K year earnings

Underwriting/coverage amounts Full underwriting up to $10k/month

Elimination period 15/30/60/90

Maximum benefit period? 5 years

What is the maximum monthly benefit? $10K




Fort Dearborn Life800-331-0512www.fdl-life.com




Voluntary or employer-paid coverage Available as either voluntary or employer paid

Eligibility requirements All active at work employees working at least 20 hours per week.

Underwriting/coverage amounts 60% of weekly salary

Elimination period Varies, based on customer need

Maximum benefit period? 52 weeks

What is the maximum monthly benefit? Standard maximum weekly benefit is $1,500; customized programs are available

Guardian LifeInsurance Co.800-356-5808www.guardianlife.com

Policy name AbilityGuard



Voluntary or employer-paid coverage We offer both.

Eligibility requirements 30 hour, full-time

Underwriting/coverage amounts up to $3,000/week GI

Elimination period Variew from 0-29 days

Maximum benefit period? again varies, usually 13 or 26 weeks


Harbor InsuranceMarketing866-424-2167www.harborins.com

Policy name Short Term Disability Income Plus

States available All except Massachusetts


Voluntary or employer-paid coverageThe product is voluntary and can be employee or employer paid. The product is ona list bill and the premium can be deducted from the employees paycheck or theemployer can pay for the premium.

Eligibility requirementsThe employee must be working full-time at least 30 hours per week, and must havebeen full-time for the last 90 continuous days (new employees 30 days) with the cur-rent employer.

Underwriting/coverage amounts $300 - $5,000 per month with maximum benefit of 60% of income.

Elimination period For Accident: 0, 7, 14, 30, 60, 90 or 180 consecutive days. Possible combinations:0/7, 7/7, 0/14, 14/14, 30/30, 60/60, 90/90 or 180/180


What is the maximum monthly benefit? $5,000 per month up to 60% of income

Harleysville LifeInsurance Co.800-222-1981www.harleysvillelife.com

Policy name Group short-term disability

States availableAlabama, Arizona, Arkansas, Delaware, Georgia, Illinois, Indiana, Iowa, Maryland,Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New Mexico,North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia,Washington, D.C., West Virginia and Wisconsin


Voluntary or employer-paid coverage Coverage offered on an employer-paid or employee-paid basis.

Eligibility requirements For all qualifying industries, full-time employee working 30 or more hours perweek are eligible for short-term disability benefits.

Underwriting/coverage amounts Plan benefits up to 70% of weekly salary to a maximum of $1,500/week.

Elimination period 0-7


What is the maximum monthly benefit? $500 - $1,500 depending on size of group

HeathPlan Services800-545-6441www.HealthPlan.com



Minimum group size 2 Plus Lives

Voluntary or employer-paid coverage We offer both Voluntary and Employer paid

Eligibility requirements Depending on the Nature of business, minimum time in business must be 2 + Years.

Underwriting/coverage amounts Evidence of insurability is required for all late entrants The carrier absorbs med-ical Underwriting for timely entrants only

Elimination period 0,7,14 or 29 for Injury, 7,14, or 29 sickness

Maximum benefit period? 13, 26 or 52 weeks.

What is the maximum monthly benefit? Upto $2000 depending on the Er contribution and Industry.

Short-term disability source listIllinois Mutual LifeInsurance Co.800-437-7355, Ext 782www.illinoismutual.com

Policy name Voluntary Short Term Disability

States available All except Alaska, Hawaii, Montana, New Hampshire, New York, Utah, Vermontand Washington, D.C.

Minimum group size 20 eligible employee

Voluntary or employer-paid coverage Coverage is voluntary payroll deducted

Eligibility requirements Eligibility requirements are determined on a case by case basis depending on thetype of industry

Underwriting/coverage amounts $400 to a maximum of 60% of gross monthly salary not to exceed $5,000

Elimination period range from 0/7 to 180/180

Maximum benefit period? 5 years


Kansas City Life GroupBenefits877-266-6767 ext. 8200www.kclgroupbenefits.com


States available All except California, New Jersey, New York and Vermont


Voluntary or employer-paid coverage We offer both voluntary and employer paid options.

Eligibility requirements Employees must be actively working full-time, minimum of 30 hours per week.

Underwriting/coverage amounts Generally, the entire benefit amount is guaranteed issue.

Elimination period Various


What is the maximum monthly benefit? Determined by the top three salaries.




Mutual Of Omaha800-689-6109www.mutualofomaha.com



Minimum group size 10 Insured Lives

Voluntary or employer-paid coverage Funding options include Employer Paid, Premium Cost sharing, and VoluntaryShort Term Disability.

Eligibility requirements Active Full-Time employees working a minimum of 30 hours per week.

Underwriting/coverage amounts Schedules of coverage between 40% and 70% of insurable Weekly Earnings.Voluntary STD insures up to 60% of Weekly Earnings.

Elimination period From 3 days to 30 days. First Day Hospitalization available.

Maximum benefit period? Up to 52 weeks.

What is the maximum monthly benefit? Up to $3,500 weekly benefit maximum for qualifying groups.

Mutual of Omaha800-689-6109www.mutualofomaha.com

Policy name Group Master Policy Form 7000GM-E2



Voluntary or employer-paid coverage Employer-paid premium cost sharing and voluntary coverage available

Eligibility requirements Varies by group size and industry; options available

Underwriting/coverage amounts Varies by group size and plan; multiple options available

Elimination period Varies by plan; multiple options available

Maximum benefit period? Varies by plan; multiple options available

What is the maximum monthly benefit? Varies by plan; multiple options available

National BenefitConsultants Inc.480-940-0070www.nbcbenefits.com

Policy name Short-Term Disability Income



Voluntary or employer-paid coverage Voluntary coverage

Eligibility requirements Ages 18-60+

Underwriting/coverage amounts 60% of income up to $6,000 per month.

Elimination period Various options: 0/7, 7/7, 14/14, 30.30


What is the maximum monthly benefit? $6,000+

Petersen InternationalUnderwriters800-345-8816www.piu.org

Policy name High Limit Disability



Voluntary or employer-paid coverage May be purchased individually or by the employer

Eligibility requirements Medically and financially insurable

Underwriting/coverage amounts 65% of income up to $100,000 per month.

Elimination period 30, 60, 90 days



Principal LifeInsurance Co.800-786-4461www.principal.com

Policy name Group Voluntary Short Term Disability Insurance


Minimum group size Greater of 10 enrolled lives or 25% participation

Voluntary or employer-paid coverage Voluntary. 100% employee paid.

Eligibility requirementsEmployer sponsored plan that requires an employee-employer relationship and a wait-ing period before and employee is eligible for coverage and an weekly hourly workrequirement to become and remain eligible for coverage.

Underwriting/coverage amounts Medical evidence is not required.

Elimination period Elimination periods available between 8 and 90 days, with 8 days being standard.

Maximum benefit period? Options are available from four to 52 weeks, with 26 being standard.


Short-term disability source listPrincipal LifeInsurance Co.800-786-4461www.Prinicpal.com



Minimum group sizeThree lives is multi-product or five lives is standalone coverage or contributory. Ifcoverage is provided on a contributory basis, a minimum of 50% employee partici-pation is required.

Voluntary or employer-paid coverage This coverage is available as non-contributory or contributory.

Eligibility requirementsEmployer sponsored plan that requires an employee-employer relationship and gener-ally a waiting period before and employee is eligible for coverage and an weeklyhourly work requirement to become and remain eligible for coverage.

Underwriting/coverage amounts Medical evidence is not required.

Elimination period Elimination periods available between 1 and 90 days, with 8 days being standard.First day injury and hospitalization is also available.

Maximum benefit period? Options are available from four to 52 weeks, with 26 being standard.


Prudential Insurance Co.of America, The800 FIND PRUwww.prudential.com

Policy name Disability Absence & Productivity



Voluntary or employer-paid coverage Prudential's STD plan may be Voluntary, Basic, or shared contributions betweenthe employer and employee.

Eligibility requirementsUnable to perform the material and substantial duties of your regular occupationdue to sickness or injury and are under the regular care of a doctor and have a20% or more loss in your weekly earnings due to that sickness or injury.

Underwriting/coverage amountsThe elimination period may be flexible depending on each employer's needs. Thestandard elimination period options are 7 and 14 days with benefits beginning onthe 8th or 15th day of disability.

Elimination period The maximum benefit period may be flexible depending on each employer'sneeds. The standard maximum benefit period options are 13 and 26 weeks.

Maximum benefit period? Average monthly benefit amount may be flexible depending on each employer'sneeds. The overall maximum available is $3,500 per month.




Reliance Standard LifeInsurance Co.800-351-7500www.reliancestandard.com




Voluntary or employer-paid coverage We offer STD as a small-gropu employer-paid coverage (2-19 lives), and anemployer-paid or voluntary coverage on group 10 lives and up.

Eligibility requirements Standard - Each active, full-time employee, working company-required hours perweek, except on a temporary or seasonal basis

Underwriting/coverage amounts Either a benefit percentage of (employer paid - max 70%; union - 60%, employee paid -60%) or a scheduled flat dollar amount not to exceed the above percentages

Elimination period 1-30 days (standard - 1st day injury; 8th day sickness)

Maximum benefit period? 13, 26, 52 weeks

What is the maximum monthly benefit? $2309 per week; $750 for 100% employee pd

Shenandoah LifeInsurance Co.800-848-5433 ext. 4449www.shenlife.com

Policy name StarProtect

States availableAlabama, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa,Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri,Nebraska, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, SouthCarolina, Tennessee, Texas, Virginia, Washington, D.C., West Virginia and Wisconsin


Voluntary or employer-paid coverage We have both voluntary and employer-paid

Eligibility requirements Small Group: 2 - 9 True Group: 10 + Voluntary: 2 +

Underwriting/coverage amounts Guarantee Issue - Flat Amounts or 50 - 70 percent plans.

Elimination period 0 - 60 Days

Maximum benefit period? 8 - 52 Weeks


Small Group Solutions Inc.800-201-0275www.sgscenter.com

Policy name Group 2-9, guaranteed issue w/pre-x benefit


Minimum group size 2 with or a class carve out option of 2 employees.

Voluntary or employer-paid coverage Employer can pay all, part of or none of the premium so benefits can be receivedincome tax free by the employee.

Eligibility requirements Minimun of 2 employees working 30 or more hours per week. Over 90% of theindustries can purchase.

Underwriting/coverage amounts Guaranteed issue at 2, requires no underwriting, for benefits of 70% of salary upto$1,000 per week. Choices of 13 or 26 week benefits.

Elimination period 0 day accident / 7 day sickness.

Maximum benefit period? Choice of a 13 weeks & 26 week benefit.

What is the maximum monthly benefit? $1,000 per week

Standard Insurance Co.800-633-8575www.standard.com

Policy name Short Term Disability Insurance

States available All except New York


Voluntary or employer-paid coverage Coverage is available on both a voluntary and employer-paid basis.

Eligibility requirements Work at least 30 hours per week and must meet the eligibility waiting period.

Underwriting/coverage amounts Coverage amounts vary and can be customized to meet the needs of the customer.

Elimination period The dlimination period can be customized to meet the needs of the customer.

Maximum benefit period? The maximum benefit period can be customized to meet the needs of the customer.





Standard Life InsuranceCo. of New York, The800-633-8575www.standard-ny.com

Policy name Short Term Disability Insurance

States available New York


Voluntary or employer-paid coverage STD coverage is available on either a voluntary or employer-paid basis.

Eligibility requirements Work for at least 30 hours per week and must meet the eligibility waiting period.

Underwriting/coverage amounts Coverage amounts can be customized to meet the needs of the customer.

Elimination period The elimination period can be customized to meet the needs of the customer.

Maximum benefit period? The maximum benefit period can be customized to meet the needs of the customer.


Starmark800-522-1246www.starmarkinc.com

Policy name Short-Term Disability Plans

States availableAlabama, Alaska, Arizona, Arkansas, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa,Kansas, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, NewMexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota,Tennessee, Texas, Utah, Virginia, Washington, D.C., West Virginia, Wisconsin and Wyoming

Minimum group size Two

Voluntary or employer-paid coverage The employer contributes.

Eligibility requirements Unable, due to sickness or injury, to do the substantial and material duties of theregular job; not doing any other work for wage or profit.

Underwriting/coverage amounts Short-term disability benefits are payable as a percentage of salary from the fol-lowing options: 50 percent, 55 percent, 60 percent or 66 percent.

Elimination period Plan 1: 7-day elimination period, Plan 2: 14-day elimination period, Plan 3: 28-dayelimination period

Maximum benefit period? Plan 1: 26 weeks, Plan 2: 52 weeks, Plan 3: 130 weeks

What is the maximum monthly benefit? The minimum weekly benefit is $35 and can be increased in $50 increments to amaximum weekly benefit of $700.

Sun Life FinancialEmployee Benefits Group866-539-7678www.sunlife-usa.com

3Policy name Short Term Disability



Voluntary or employer-paid coverage Both voluntary and employer-paid plans are available.

Eligibility requirements Full-time employees working at least 30 hours per week, however can cover any typeof employee working any number of hours.

Underwriting/coverage amounts Generally, all coverage is issued on a guarantee issue basis.

Elimination period Varies based on policyholder request and underwriting guidelines. We generallywill do 0/3 (accident/sickness) up to 90/90 (accident/sickness).

Maximum benefit period? varies based on policyholder request and underwriting guidelines. We generallydo between 1 week and 104 weeks.

What is the maximum monthly benefit?STD is paid weekly, therefore all our plans are set up with weekly maximum benefits.These can range from $50 to $5,000 (or higher) depending upon policyholder requestand underwriting guidelines.

Sun Life FinancialProfessional InsuranceCo.860-737-1492www.ebg.sunlife.com

Policy name Disability Income

States available All except Alaska, Delaware, Maine, Minnesota, New Jersey, New York, RhodeIsland and Vermont

Minimum group size Two

Voluntary or employer-paid coverage Coverage can be either voluntary, employer-paid, or a mixture of both.

Eligibility requirementsGuarantee Issue is available for 10 lives or 30% of the eligible group, whichever isgreater. Individuals must be at work for the past 30 days and work at least 27hours per week.

Underwriting/coverage amounts Benefit amounts of up to $5,000 a month are available. Typically, coverage cannotexceed 60% of income.

Elimination period Ranges from 0/0 to 365/365

Maximum benefit period? 2 Years





Symetra Life InsuranceCo.800-SYMETRAwww.symetra.com

Policy name Group Short-Term Disability Income Insurance

States available All except California, Indiana, Maryland, New York and North Carolina

Minimum group size 10 or more enrolled lives

Voluntary or employer-paid coverage We offer both employer-paid and voluntary options.

Eligibility requirements These are determined by the employer.

Underwriting/coverage amounts Employer-contribution STD: Up to 70 percent of pre-disability earnings. VoluntarySTD: Up to 60 percent of pre-disability earnings

Elimination periodEmployer-contribution STD: If disability is due to an injury or sickness, it is the lat-ter of 14 days, the date salary continuation ends or the date accumulated sickleave ends.

Maximum benefit period? Employer-contribution STD: Up to 26 weeks; Voluntary: Up to 52 weeks

What is the maximum monthly benefit? Up to $4,000 ($1,000 per week), reduced by other income benefits. Amounts abovethis will be subject to underwriting considerations.

Transamerica WorksiteMarketing800-400-3042www.transamericaworksite.com

Policy name TransDI Plus

States available All except California and Minnesota

Minimum group size 5 applications

Voluntary or employer-paid coverage Voluntary or employer-paid premiums available

Eligibility requirements There must be at least 5 issuable TransDI Plus employee applications (or the stateminimum, if greater) to establish a group.

Underwriting/coverage amountsUnderwriting Limits: Guaranteed Issue maximum amounts up to $1,500Conditional Guaranteed Issue maximum amounts up to $2,000 Simplified Issuemaximum amounts up to $5,000

Elimination period Available elimination periods: 0/7, 7/7, 0/14, 14/14, 30/30, 60/60, 90/90 and 180/180.

Maximum benefit period? Available benefit periods: 3, 6, 12 or 24 months

What is the maximum monthly benefit? Availalbe monthly benefits: $300 to $5,000

Trustmark VoluntaryBenefit Solutions800-840-4692www.trustmarksolutions.com

Policy name Trustmark Group Short Term Disability



Voluntary or employer-paid coverage Trustmark's Group Short Term Disability is a voluntary, employee-paid, payrolldeducted benefit.

Eligibility requirements Trustmark's Standard Eligibility: Active full-time employees, age 17-67, on the job90 days.

Underwriting/coverage amountsTrustmarks Group Short Term Disability offers Guarantee Issue or ModifiedGuarantee Issue. Guarantee Issue: $100 to $750 per week Modified GuaranteeIssue: $100 to $1,350 per week.

Elimination period Elimination Periods range from 0/7 to 365/365

Maximum benefit period? Maximum Benefit Period options of 13 to 104 weeks or 3, 6, 12 or 24 months.

What is the maximum monthly benefit? The maximum monthly benefit amount is $6,000.




Unum877-322-7222www.unum.com


States available All except Rhode Island


Voluntary or employer-paid coverage Non-contributory, contributory and voluntary

Eligibility requirements Work at least 30 hours per week for employer who sponsors STD coverage (otherhours acceptable to 17.5 min)

Underwriting/coverage amounts Up to $2500 per week (varies by plan design and industry)

Elimination period 1-30 days


What is the maximum monthly benefit? Up to $10,000 per month (Group STD benefits paid on a weekly basis)

Unum877-322-7222www.unum.com

Policy name Individual short term disability




Eligibility requirements Employee age 17-69; actively at work at least 20 hours per week at time of app.

Underwriting/coverage amounts Non-Occ: GI= up to 50% to max of $5,000; SI= up to 60% to max of $5,000. 24 Hour:GI= up to 40% to max of $5,000; SI= up to 60% to max of $5,000.

Elimination period Varies depending on benefit period. Separate EPs for accident and sickenss.Range from 0-180 days.


What is the maximum monthly benefit? 60% of gross monthly salary not to exceed $5,000

Trustmark VoluntaryBenefit Solutions800-840-4692www.trustmarksolutions.com

Policy name Trustmark Disability Income



Voluntary or employer-paid coverage Trustmark's Disability Income is 100% voluntary.

Eligibility requirements Full-time and part-time employees, age 17 to 67, employed for at least 90 daysprior to the application date and actively at work on the effective date.

Underwriting/coverage amounts Guaranteed Issue or Modified Issue underwriting. Guaranteed Issue: $300 to$3,000/month; Modified Issue: $300 to $6,000 per month

Elimination period Elimination Periods range from 0/7 to 365/365

Maximum benefit period? Maximum Benefit Period options of 3, 6, 12 and 24 months

What is the maximum monthly benefit? The maximum monthly benefit amount is $6,000.

short-term disability source list -...

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