Group Disability Insurance

These options can replace a portion of employees’ income until they can return to work.

• Short Term Disability (STD)¹?and Long Term Disability (LTD)
• Salary Continuance, Administrative Services Only (ASO) and Advice-to-Pay (ATP)²
• Statutory Disability and Paid Family Leave³
• LTD Reserve Buy-Outs
• Individual Disability Insurance (IDI) / LTD Integrated Solution

Total Absence Management.^SM?Integrated absence management solutions to help ease the impact on your workload and simplify employees’ process for absences such as FMLA leaves, similar State leaves, and company leaves (like jury/witness duty, military, bereavement, medical, etc.).⁴

FMLAssist^SM?complements your FML administration by helping to alleviate the burden associated with failing to comply with the FMLA by leveraging our expertise for all or some of your employees’ Family Medical Leave (FML) needs.⁵

Disability Health and Wellness Connection promotes employees' use of their medical carrier and existing disease management and wellness programs to drive healthier behaviors. This can lead to a more health conscious workforce, reduced absences, earlier return to work, and potentially lower incidences of disability.

• EAP Referral
• Disease Management Coordination
• Data Sharing⁶
• Trends and Analysis Reporting
• Online Disability Consumer Educational Resources