If a covered accident or covered sickness prevents you from earning a paycheck, Group Short-Term disability insurance can provide a monthly benefit to help you cover your ongoing expenses, often at a more reasonable rate than individual insurance.
Plan Features:
- On/Off job coverage available for accident and sickness
- You can purchase up to 60% of your income for your monthly benefit
- Elimination waiting period: Choose from 7/7 day or 14/14 day
- Benefit duration: Choose a 3, 6, or 12 month benefit duration
Note: If you have an off-job disability policy, the only way to add on-the-job benefits is to elect on/off job coverage during open enrollment. You can determine which policy you have by registering at www.coloniallife.com as a policyholder.
More Features:
Psychiatric and psychological benefit
- There is a maximum six-month benefit period limitation for any one occurrence of a psychiatric or psychological There is a three-month benefit period limitation if you have a three-month benefit period.
- There is a 24-month cumulative lifetime maximum benefit period for all psychiatric or psychological This maximum includes a combination of total disability and partial disability occurrences.
Group Disability Base Plan Short Term Disability Claim Form