Group Short Term Disability:
A Safety Net for Valued Employees

BEST Life's Short Term Disability plans help valued employees maintain their standard of living as they recover from non-work-related injuries or illness.

We offer four flexible plans to meet a variety of employer group scenarios. Available only in AR, DC, HI, ID, IL, IN, KY, MO, MS, NE, NM, OH, PA, SC, SD, TX, UT and WY.

100% employer-Paid Plans

Available to groups with a minimum of 5 employees enrolling. These plans are covered entirely by the employer and require 100% participation.

1. No evidence of insurability required;
2. No late entrants;
3. Benefits may be based on a percentage or flat dollar amount up to $1,000 weekly for preferred industries;
4. 13 or 26 week benefit duration;
5. A choice to have benefits for a sickness/injury to begin in 1/8, 8/8, 15/15 or 30/30 days;
6. Partial Disability and Maternity optional.

Employer-Contributory

For employers who want to contribute less than 100%, we offer this plan with a 25% minimum employer contribution.

1. Requires 75% participation and a minimum of 5 employees enrolling;
2. Percentage or flat dollar amounts up to $1,000 weekly for preferred industries;
3. 13 or 26 week benefit duration;
4. A choice to have benefits for a sickness/injury to begin in 1/8, 8/8, 15/15 or 30/30 days;
5. The option to add coverage for Partial Disability or Maternity .

Voluntary

Designed for groups with 5 or more employees enrolling. This is a perfect option for companies looking for another benefit to add to their employee benefits program, without adding to their budget.

1. Requires 25% participation;
2. Benefits paid at a percentage or flat dollar amount up to $1,000 weekly for preferred industries;
3. 13, 26, or 52 week benefit duration options;
4. A choice to have benefits for a sickness/injury to begin in 1/8, 8/8, 15/15 or 30/30 days;
5. Coverage for maternity optional.

Custom Plans

Groups with over 50 employees enrolling may opt to customize any of our Short Term Disability plans.

1. May be offered as 100% employer-paid, employer-contributory or voluntary;
2. Benefits paid at a percentage of the employee's salary or at a flat dollar amount up to $2, 500 weekly for preferred industries;
3. May choose from 13, 26 or 52 week benefit duration periods;
4. A choice to have benefits for a sickness/injury to begin in 1/8, 8/8, 15/15 or 30/30 days;
5. Partial Disability and Maternity optional

 

Short Term Disability Sales Collateral

1. National Short Term Disability Brochure
2. New Short Term Disability Group Submission Checklist

Short Term Disability Enrollment Materials

1. National Employer Application Word | PDF
2. Short Term Disability Enrollment Form Word | PDF
3. Short Term Disability Enrollment Form (Kentucky) Word | PDF
4. Illinois Standard Health Application (for employees applying for medical as well) PDF
5. Group Roster (for groups with no late entrants) Word | PDF | Excel
6. STD Waiver of Coverage PDF
7. STD Claim Form Word | PDF