Disability Plan Provisions
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What Your Disability Plan Can Offer

Group Short Term Disability
Coverage Available Basic and Voluntary plans available
Group Size Available to groups of 2 or more eligible employees
Voluntary available for 5+ eligible groups
Salary Based Options 50%, 60%, 66 2/3%
Elimination Period Options Benefits Begin:
Day 1 for accident, Day 8 for illness
Day 8 for accident, Day 8 for illness
Day 15 for accident, Day 15 for illness
Day 30 for accident, Day 30 for illness
Pre-existing Condition Options Basic:
(2-9 employees) 3/12
(10+ employees) None

Voluntary:
(5+ employees) 3/12, 12/12
Maximum Weekly Benefit Amount up to $1,000 (2-9), up to $2,500 (10+)
Covered Disabilities Non-occupational disabilities only, unless the business owner is not eligible for Worker's Compensation, in which case the business owner is eligible for 24 hour coverage.
Maternity Covered like any illness
Additional Standard Features Employer FICA match service and W-2 preparation
Continuity of Coverage Provided for employees covered under a replacement plan
Employee Assistance Program Confidential work and personal support services available online and via telephone. Face-to-face counseling may be available if a qualifying event occurs.
Travel Assistance When you are traveling 100+ miles from home, emergency medical assistance and travel services are available 24 hours a day.
Group Long Term Disability
Coverage Available Basic and Voluntary plans available
Group Size Available to groups of 2 or more eligible employees
Voluntary available for 10+ eligible groups
Salary Based Options 50%, 60%, 66 2/3%
Benefit Duration Options SSNRA, To age 65 RBD, 5 year RBD, 3 year RBD, 2 year RBD
Elimination Period Options 90, 120, 180, 360 days
Pre-existing condition Options 3/12, 12/12
Maximum Monthly Benefit Options up to $6,000 (2-9 employees), up to $10,000 (10+ employees)
Maternity Covered like any illness
Mental Illness and Substance Abuse Included, limited to 24 months
Additional Standard Features Employer FICA match service and W-2 preparation
Additional Benefits Vocational Rehabilitation, Social Security Assistance, Workplace Modification, Recurrent Disability, Personal Care Assistance (for plans with durations of more than 5 years)
Optional Benefits (10+) 401(k) contribution, Spousal Disability, COLA, Education Benefit, Extended Care Benefit
Survivor Benefit Included
Cost of Living Freeze Included
Continuity of Coverage Provided for employees covered under a replacement plan
Employee Assistance Program Confidential work and personal support services available online and via telephone. Face-to-face counseling may be available if a qualifying event occurs.
Travel Assistance When you are traveling 100+ miles from home, emergency medical assistance and travel services are available 24 hours a day.

*Coverage availability may vary based on group size and other case characteristics

Products are not available in all states. The benefits outlined here are for illustrative purposes only and should not be considered a proposal for coverage. Limitations and exclusions apply. Additional plan options are available with underwriting approval.

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