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Short Term disability insurance protects your employees in the event of a injury or illness. Choose the plan design that fits your company best: 

  • Fixed Schedule -- Select the same benefit payment for all employees of $200 to $1,500 a week.
  • Earnings Schedule -- Benefits based on 60% of an employee's weekly income, with payments as high as $1,500 a week for qualifying incomes.

General Features and Options

Benefits are paid during the period an employee is disabled due to a non-occupational accident or sickness. Payments begin the first day, if the disability is due to an accident, or the eighth day, if the disability is due to sickness -- and are payable for up to 13 or 26 weeks.


Features & Options Fixed Schedule Earnings Schedule
Benefit Payment Fixed Amount Percentage of Income
Weekly Benefit $200 to $1,500, in $10 increments 60% of base weekly earnings
Disability Payment begins 1st day due to accident
and
8th day due to sickness
1st day due to accident
and
8th day due to sickness
Disability Payment Ends 13 weeks
or
26 weeks
13 weeks
or
26 weeks
Maximum Benefit Lesser of fixed amount or 60% of base earnings Between $1,500 - $3,000 per week
Maternity Treated like sickness Treated like sickness