Up to 60% of pre-disability earnings can be paid as the benefit, with a maximum of $500 weekly for groups of three to four lives and $1,000 weekly for groups with five to nine lives.

You may also choose from two maximum benefit time periods, either 13 or 26 weeks.

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.

The beginning date indicates the length of time an insured must be disabled before benefits begin to accrue. For a Small 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.

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.