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Why Disability Insurance?

Disability Insurance

In most cases, a short-term disability will result in reduced income for you and your family. If you become disabled, how long could you pay bills and provide for your family with reduced earnings? How long will the disability benefit from your employer-sponsored insurance plan last? Do you have enough set aside to cover the additional expenses caused by a disability, maintain your lifestyle and cover everyday living expenses?

More often than we think, many people in today’s workforce suffer a short-term disability.
  • Within 10 minutes, 441 will suffer a disability.
  • 23.2 million disabling injuries were reported in 2004; 3.7 million of those were work related.
  • A fatal injury occurs every 5 seconds and a disabling injury occurs every second.
  • The cost of unintentional injuries in 2004 was $574.8 billion.

Source: Injury Facts, National Safety Council, 2005-2006 Edition

A disability plan from Colonial can help you prepare for a short-term disability. Benefits from your Colonial disability plan can supplement your income to help you pay the following expenses.

  • Mortgage or rent payments
  • Utility bills and other household expenses
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More Info Request Form
Would you like to receive additional information about Colonial’s group short-term disability plan?
 
 

Voluntary Short Term Disability Insurance (VSTD)
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VSTD Insurance is a group short-term disability plan that provides the following worldwide coverage options.
  • Occupational/Non-Occupational
  • Non-Occupational Only
  • Partial disability coverage is available

Colonial’s VSTD Insurance is designed to supplement your existing insurance coverage by replacing from 40 percent to 60 percent of your weekly income if you suffer a short-term disability, depending upon the benefit option selected by your employer. Benefits from the VSTD plan are paid on a weekly basis, up to $1,000 per week. Benefit periods range from four up to 52 

Voluntary Short Term Disability Insurance

weeks. Colonial’s VSTD Insurance will integrate with workers' compensation and your state disability plan for any on-job injuries.

If you have partial disability coverage and you return to work on a part-time basis while receiving disability benefits, you may qualify for partial disability benefits. This benefit encourages you to return to work and helps make that return a little easier.
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More Info Request Form
Would you like to receive additional information about Colonial’s individual short-term disability plan?
 
 

Short Term Disability Income Protection Insurance
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This insurance is an individual short-term disability plan that provides the following worldwide coverage options.
  • Sickness coverage and on or off-job accident coverage
  • Sickness coverage and off-job accident coverage

Colonial’s Short Term Disability Income Protection Insurance is designed to supplement your existing insurance coverage by replacing up to 66 2/3 percent of your income if you become disabled. Benefits from this plan are paid on a monthly basis, up to $5,000 per month. Benefit periods range from three to 24 months.

Short Term Disability Income Protection Insurance

Waiver of premium is another feature of this individual short-term disability plan. With waiver of premium, after you have been disabled for 90 days, you do not have to pay your premium while you are receiving disability benefits.

This individually-owned plan is portable. This means that if you change jobs or retire, you can take this plan with you. Your premiums will not increase as you

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More Info Request Form
Would you like to receive additional information about Colonial’s individual short-term disability plan?
 
 

Individual Short Term Disability Insurance
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This plan features individual short-term disability coverage that provides the following worldwide coverage options.
  • On and off-job accident and sickness coverage
  • Off-job accident and off-job sickness coverage

This plan is designed to supplement your existing insurance coverage by replacing up to 66 2/3 percent of your income if you become disabled. Benefits from this plan are paid on a monthly basis, up to $5,000 per month. Benefit periods range from three to 24 months.

 

 Individual Short Term Disability Insurance

Other features include partial disability benefits and a waiver of premium benefit.
  • The partial disability benefit allows employees to more easily transition back into the work environment after total disability has been paid for one month. Employees may work less than 20 hours per week and still receive a disability benefit.
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Colonial Life & Accident Insurance Company is a subsidiary of Unum Group
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"Colonial Life," the logo and "making benefits count," separately and in combination, are registered service marks of Colonial Life & Accident Insurance Company. All rights reserved.

Colonial Life products are underwritten by Colonial Life & Accident Insurance Company. Coverage has exclusions and limitations that may affect benefits payable. Coverage may vary by state and may not be available in all states. See your representative for complete details. Colonial Life is the marketing brand of Colonial Life & Accident Insurance Company.

  • Food, clothing and other necessities
  • Copayments
  • Medical costs not covered under other plans
  • Travel and lodging expenses for treatment

The Colonial disability portfolio includes group and individual coverage, and each plan features several options to help meet your unique needs.

Voluntary Short Term Disability Insurance (VSTD) is Colonial's group disability plan. This plan offers the employer control of benefit plans offered to employees, continuity of coverage and competitive group rates.

Colonial’s Short Term Disability Income Protection Insurance is an individual disability plan. With this plan, you (the employee) can choose the plan design

 that best meets your needs. There is no employer contribution for this plan; the employee pays the premium.

The Individual Short Term Disability Plan offers two plan options, a partial disability benefit and higher levels of disability coverage.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial representative.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.
Premiums for the VSTD plan are census-rated and competitive. Plus, with waiver of premium, you will not have to make your premium payments while you are receiving disability benefits from Colonial. This results in one less payment for you to make while you are out on disability.

The VSTD plan is offered with guaranteed issue (no health questions) for all employees who enroll during their initial eligibility period. However, pre-existing conditions are excluded.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.

Applicable to certificate form VSTDC, including state abbreviations where used. If you are in Virginia, please read this important information
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get older, and your coverage is guaranteed renewable up to age 70 as long as premiums are paid when due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in force in the state where the policy was issued.

Optional riders are available at an additional cost.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.

Applicable to policy form ENHANCE, including state abbreviations where used. If you are in Virginia, please read this important information
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  • The waiver of premium feature allows us to waive insureds' premium payments after they have been totally disabled or qualify for partial disability benefits for more than 90 consecutive days. We waive premiums for the policy and any attached riders while insureds are disabled and receiving benefits.

This coverage is also portable. This means that if you change jobs or retire, you can take this plan with you. Your premiums will not increase as you get older, and your coverage is guaranteed renewable up to age 70 as long as premiums are paid when due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in force in the state where the policy was issued.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.

Applicable to policy form DIS 1000, including state abbreviations where used. If you are in Virginia, please read this important information.