Maximum monthly benefits range from $2,500 for groups with three or four lives to $6,000 for groups with five to nine employees. Benefit percentages are 50%, 60% or 66-2/3% of predisability earnings, depending upon your industry.

The rate you pay to insure your employees is guaranteed to remain the same for one year. Changes in the premium could occur, however, if an employee enters a new five-year age band, or experiences an increase or decrease in predisability earnings. This can happen even during the one-year guarantee.

Disability benefits are available through a Small Group Long 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 Small Group Long Term Disability policy, there are two to choose from: 91 and 181 days. The number of days your employees wait before the beginning date of their benefits accrual includes the days they are disabled or partially disabled.

This important feature allows all eligible employees to extend disability coverage if for specific reasons their coverage terminates. Employees must be insured under your plan for at least one year on the date insurance ends to be eligible.

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.

Employees will not be covered for a disability caused by a pre-existing condition. A pre-existing condition is a mental or physical condition for which an employee has consulted a physician or practitioner, received medical treatment or services, or taken prescribed drugs or medications at any time during the pre-existing condition period.