Short Term Disability

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Short Term Disability replaces a portion of lost income due to disability from a non-occupational sickness or injury after the elimination period, and up to the maximum benefit period.

Amounts of Insurance

Plan design is flexible and determined on specific demographics of the group, depending on the needs of the employer and the employees.

Benefit Option

Plan design is flexible 40% up to 70% of salary replacement. Benefit duration from 9 up to 52 weeks.

Sample Schedules:

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Employees may pay some, all, or none of the premium.

Definitions of Disability

• A non-occupational sickness or injury that prevents the insured from doing any of the material and substantial duties of the insured's regular occupation.
• A non-occupational sickness or injury that prevents the insured from doing some or all of the material and substantial duties and has at least a 20% loss in earnings. Residual may be included which allows the insured to work part-time or reduced hours to count towards satisfying the Elimination Period.

Working Benefit

If an insured is disabled and working, earning between 20% and 80% of pre-disability earnings, the insured will still be eligible for a benefit.

Minimum Payment Amount

The minimum benefit is $25 per week.

Temporary Recovery

If a disabled employee who was receiving benefits returns to work for less than 14 days and has a recurrence of the same disability, that disability will be considered a continuation of the old one, and a new Elimination Period will not to have begun.

Other Income Amounts

STD coverage is designed to replace a reasonable portion of a disabled insured's salary. To prevent overinsurance, STD payments will be reduced by income the insured receives or is eligible to receive from Social Security. Employer retirement plans, State disability plans, Unemployment benefit, etc. STD payments are NOT reduced by 401(k) plans, thrift plans, profit sharing plans, individual disability plans, etc.

General Exclusions

Disablilities resulting from war, active participation in a riot, intentionally self inflicted injuries, attempt to commit a felony, or an occupational sickness or injury, are not covered.

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