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Short Term Disability Insurance

Option 1: Manhattan Life​

Pays a Monthly Benefit for Total Disability or Presumptive Disability if you are unable to work due to a covered Injury. Benefits cover both Accident & Sickness, begin after a 14 Day Elimination Period, and continue while your Total Disability lasts or until the end of one year.

  • Pays in addition to any other insurance

  • 50% if Worker's Compensation or similar law pays

  • Maternity is covered as any sickness

  • Policy may be continued if employee changes jobs

  • Guaranteed Renewable to age 70

  • One rate regardless of age or sex

  • Pre-existing conditions covered after 12 months

Option 2: Washington National

Pays a Monthly Benefit for covered Off-Job Accidents & Sickness, only. Coverage is built with a Return of Premium rider; every 20 years (or age 75) receive your premiums back minus any claims.*

  • Accident Elimination Period: 0 Days

  • Sickness Elimination Period: 14 Days

  • Benefit Period: 12 Months

  • Must be cared for at least monthly by a regular physician.

  • Only available if not currently covered by AccidentAssure Level 2 plan

    *see Agent for further explanation of Return of Premium benefits

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