Short Term Disability Insurance

Short Term Disability Insurance  


You work hard to earn your income. But what would happen if an injury or illness kept you from working?  Statistics show that a serious chronic illness or disease will disable at least 1 out of every 4 hard-working Americans during their career.


If it happens to you, you’ll probably get better and return to work after a recovery period, but how would you pay your bills in the meantime? If you run out of vacation or leave days, will you have enough savings to make it? Would you want to borrow money from family or friends while you’re getting well?


Tell Me More

Your employer doesn’t want you to suffer financially if a short term disability happens to you. That’s why you now have access to Short Term Disability Insurance featuring:

  • A maximum benefit of $5,000 per month
  • Pays benefits for up to 6 months
  • Premiums are affordable and conveniently payroll deducted





You are eligible to enroll during any qualifying event (new hires, life events) or during the open enrollment period.


To enroll, call 1-800-698-2849, or click the “Enroll Now” button below.

How It Works




Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • Who is the provider?

    Allstate Benefits is a leading provider of employee benefits. They are committed to delivering superior products and services with cutting-edge technology, exceptional customer service and compassionate claims administration. With over 40,000 groups in force and insuring more than three million employees, they uphold the GoodHands® promise every day.


    Allstate Benefits is the marketing name of American Heritage Life Insurance Company, the underwriting company, and a subsidiary of The Allstate Corporation.

  • How can this help me?

    If you are faced with a period of unexpected sickness or off-the-job injury, you will receive cash benefits to use as you see fit. This could include medical treatments, daily living expenses and more.


  • How does Short Term Disability Insurance work?

    You choose a monthly benefit up to the guaranteed issue benefit. Please see the additional descriptions below.




    • Total Disability Benefit: Allstate Benefits pays the monthly benefit amount after the elimination period if they receive sufficient proof that you are totally disabled. Benefits will not continue beyond the maximum benefit period for total disability.
    • Partial Disability Benefit: Allstate Benefits pays 50% of the monthly benefit if they receive sufficient proof that you are partially disabled. Benefits paid under this benefit count towards your maximum benefit period.
    • Concurrent Disability: During any period in which you are disabled due to more than one cause, benefits will be paid as if you are disabled due to only one cause. In no event will being disabled due to more than one cause extend the time for which benefits will be paid under the maximum benefit period.
    • Recurrent Disability: If you have a recurrent disability, Allstate Benefits will treat the disability as part of the prior claim and another elimination period will not have to be completed if you were continuously insured under the policy for the period between the prior claim and the recurrent disability. Your recurrent disability will be subject to the same terms as your prior claim.




  • Are there medical questions to answer to enroll in this coverage?

    If you enroll during the voluntary open enrollment, there will be no medical questions to answer and coverage will be provided on a Guaranteed Issue basis. Should you choose to enroll after the initial eligibility period, without a Qualified Life Event, regular Evidence of Insurability (EOI) will apply (for example, next year’s open enrollment).




  • Is there a waiting period?

    Allstate Benefits does not pay for disabilities during the first 12 months of coverage due to a pre-existing condition.
  • When do my benefits begin?

    Benefits start the first day after the Elimination Period when you are totally disabled and cannot work. You must be an active employee on the date your disability occurs for disability benefits to be payable.
  • Is it possible for benefits to be reduced?

    Your monthly disability benefit may be reduced if you receive disability payments from other deductible sources of income that include individual disability income policies, other group insurance coverage, paid time off, salary continuation, sick leave, or state or federal disability benefits.




  • How do I submit a claim?

    You can obtain a claim form by visiting the Allstate Benefits website at or by calling Allstate Benefits at 1-800-521-3535.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Short Term Disability Insurance Brochure
Claim Form
My Benefits Website



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