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Short Term Disability


Our STD plan provides coverage for income lost when employees are unable to work because of a nonoccupational accident, illness, or pregnancy.

    Benefits include:
  • Weekly benefits up to 70% of employee’s lost income
  • Waiting periods for accident and sickness ranging from 1-30 days
  • Maximum benefit duration that coordinates with our LTD program; 13, 26 and 52 weeks available
  • Recurrent disability variables
  • Contributory, non-contributory, and voluntary options

The United Heritage policies support the belief that disabled employees want to work, even if only part time or in a reduced capacity.

  • Our standard STD policy doesn’t require a period of total disability for a claimant to qualify for benefits.
  • Our STD and LTD policies work together to allow claimants to return to work for up to one half of the LTD elimination period without restarting it and without having to start a new STD disability claim should they be unable to sustain their return to work period.



If you would like information about the Group Short Term Life Product United Heritage offers, Contact Us or Locate an Agent in your area.