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Large
Group Short Term Disability
Large Group Short Term Disability Insurance replaces a percentage of
your employees' predisability earnings up to a maximum benefit on a
weekly basis. It provides weekly benefits for disabilities lasting
up to 26 weeks depending upon your industry and is available to you
if you have more than 10 employees.
Maximum Benefit
Maximum benefit is $5,000, depending upon your industry and the
number of employees insured, over a payment period of nine to 26
weeks.
Rate Guarantee Period
The premium rate you pay to insure your employees is guaranteed to
remain the same for at least one year. Depending on the industry of
your business and the number of employees insured, your premium rate
may be guaranteed as long as three years.
Partial Disability Benefit
Disability benefits are available through a Large Group Short Term
Disability policy for employees with a partial disability. No total
disability is ever required for benefit.
Beginning Date
The beginning date indicates the length of time an insured must be
disabled before benefits begin to accrue. For a Large Group Short
Term Disability policy, the number of days employees wait before the
beginning date of their benefits accrual includes the days they are
disabled or partially disabled.
Our
Claims Management Philosophy
We don't just approve and deny claims. We appoint benefits analysts
who will pick up the phone and call the insured and develop a
working relationship. Our analysts are fully capable of evaluating
and properly adjusting all disability claims.
Our
claims procedures are sound and efficient. We go above and beyond to
track your claim experience and work with you to implement loss
control techniques. We have well established and effective programs
in place to help claimants receive Social Security disability
benefits. And most importantly, we provide in-house and outside
vendor vocational assistance to help claimants return to work.
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