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?
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:
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.
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?
When do my benefits begin?
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?