Short Term Disability Insurance

Differentiate with our highly flexible disability plans

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.

Resources

Disability Claims Guide

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.