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Short Term Disability Insurance

Differentiate with our highly flexible disability plans

At USAble Life, we are a top 10 life and disability carrier in the markets we serve. We’ve spent decades working with a diverse range of employers to innovate disability insurance benefits that improve health outcomes and minimize the impact of employee absences. We offer flexible, affordable Short Term Disability Plans that can be customized to any client’s needs — and they’re all backed by our superior service and personalized employee support.

Flexible and Affordable Options

Variable contribution and coverage levels, including:

  • Employer paid
  • Employee paid
  • Buy up

Optional services:

  • Family Medical Leave Act (FMLA) administration
  • W-2 and FICA tax administration
  • Enhanced EAP
  • Advice-to-pay

Enhanced Benefits

  • Express claim payments
  • Work incentives
  • First day hospital
  • Survivor benefits

Complementary services:

  • Employee assistance program (EAP)*

Simple Administration

Supported by AccessAble, used by 10,000 brokers and group administrators

Features include:

  • Broker access to support client enrollments
  • Optional employee self-enrollment
  • AutoPay and online bill payment
  • Instant quoting of voluntary benefits
  • Online Evidence of Insurability
  • Real-time employee updates

Customize the right solution for your clients by partnering with USAble Life.


  • USAble Life has contracted with New Directions® Behavioral Health to offer EAP services.

This is a brief description of USAble Life’s Short Term Disability Insurance plan coverage. This is not an insurance policy. Limitations and exclusions may apply. Some benefits and options are not available in all states. For cost and complete details of the coverage, call or write your insurance agent or USAble Life.