Off the Job Income Protection with Short Term Disability


Short Term Disability (STD) is one of the fastest-growing ancillary benefits being offered by employers. There is no cost to the employer to offer short term disability and helps an employer reduce worker's compensation injuries.

Here are 7 reasons why employers should offer short term disability coverage:

  1. Reduces Comp Fraud & Costs: Protects your Workers’ Compensation claims record

  2. Employer Pays Nothing: Employee pays via payroll deduction

  3. Free Life Insurance: $5,000 in life AD & D provided with enrollment services at no cost

  4. Offer More Benefits: Very expensive to purchase as an individual and difficult to qualify for

  5. Simple: Enrollment is simple, multi-lingual, all states, annual – handled by certified enrollers

  6. Employees Want It: 55-60% participation rate with middle and lower income employees

  7. Paperless Enrollment: No more paper because the offering is all electronic

Short Term Disability Insurance is a product designed to supplement your current company sponsored medical program. This insurance replaces a portion of income if you/your employees become unable to work because of a covered accident or sickness. This important benefit helps continue to pay for:

  • Mortgage or rent payments

  • Utility bills and other household expenses

  • Food, clothing and other necessities

  • Co-payments and other medical costs

For more information about our broker services, please contact us and check out our tip sheet on Additional Supplemental Benefits for Employees!