Maximum benefit is $5,000, depending upon your industry and the number of employees insured, over a payment period of nine to 26 weeks.

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.

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.

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.

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.