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Short Term Disability Insurance for Employers

When your employees can’t work, it puts pressure on everyone. USAble Life Short Term Disability Insurance helps your employees meet financial obligations when they are temporarily out of work due to childbirth, illness, or injury. You will enjoy working with an experienced disability insurance carrier, benefiting from all we have learned working with some of the nation’s largest medical insurers for more than 40 years.

Flexible and Affordable Options

Variable contribution and coverage levels, including:

  • Employer paid
  • Employee paid
  • Buy up options

Optional services:

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

Enhanced Benefits

  • Return to work incentive
  • Ongoing employee communication
  • Express claim payments
  • First-day hospital benefits
  • 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

Let USAble Life provide competitive benefits and cover your employees.


*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 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.