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    Short and Long Term Disability

    Protect your business while protecting your most valuable asset – your employees.

    What happens when an employee is unable to work because of illness or injury? Your employees rely on their paychecks for the necessities of life. Reliance Standard offers employers – and their employees – a variety of options so they can get the coverage they need affordably.


    View our short video that answers questions you or your employees may have about Voluntary Disability insurance.


    Voluntary Group Short and Long Term Disability Plan Highlights:

    • Benefits up to 60% of salary
    • Available in flat dollar amount, percentage of salary, or increments
    • Maximum short term benefits up to $1,250 per week
    • Maximum long term benefits up to $7,500 per month
    • Elimination periods of 7, 14, 30, 60, 90 or 180 days
    • Benefit duration up to Social Security Normal Retirement Age
    • Elimination period interruption provision
    • Maternity covered as an illness
    • Partial and residual available
    • Rate guarantees up to two years

    Voluntary Benefits. Employee Satisfaction

    Employee-paid voluntary benefits can save your company the cost of premiums. Reliance Standard understands that time is money, too. So we work hard to reduce the time you and your employees spend dealing with insurance matters. Using our web-based administration will streamline management and payment of premiums and provides a single point of contact for all inquiries.

    We also work to minimize the cost of lost productivity by aggressively managing disability claims so your employees can get back to work as soon as possible. Return-to-work options offered by our Work Incentive Benefit encourage employees to work on a part-time basis (some refer to this as rehab employment). A child care credit is available during such a work incentive period.

    Short Term and Long Term Benefit Choices

    You can elect to offer short term disability benefit amounts in weekly increments or a percentage of earnings up to the maximum amount of $1,250 per week. Long term plan choices allow for monthly increments starting at $500 to a maximum of $7,500 per month.

    A minimum benefit is designed to avoid a situation where an employee has paid into a plan and, after becoming disabled, learns that no benefit would be received due to offsets with other sources of income, such as worker’s compensation, state disability benefits or Social Security.

    For Additional Information:
    Voluntary Short and Long Term Disability Plans and Options