Disability Insurance

	Disability
		Voluntary Short Term Disability Insurance (VSTD)
		Short Term Disability Income Protection Insurance
		Individual Short Term Disability Insurance
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	Why Do Employees Need 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.

Every 1.6 seconds one person in the U.S. suffers a disabling injury.
On the job, 3.4 million American workers suffered disabling injuries in 2003.
About two-thirds of disabling injuries suffered by American workers occured off-the-job.

Source: Injury Facts, National Safety Council, 2004 Edition

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

Mortgage or rent payments
Utility bills and other household expenses
Food, clothing and other necessities
Co-payments
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.

Voluntary Short Term Disability Insurance

	Voluntary Short Term Disability Insurance (VSTD)

VSTD Insurance is a group short-term disability plan that provides the following world-wide coverage options.

Occupational/Non-Occupational
Non-Occupational Only
Partial Disability Coverage

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 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.

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. Therefore, you have one less payment 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.

Applicable to certificate form VSTDC, including state abbreviations where used. If you are in Virginia, please read this important information.
(*Acrobat Reader required. Download Here)

Short Term Disability Income PRotectino Insurance

	Short Term Disability Income Protection Insurance

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.

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, which 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.

Optional riders are available at additional cost.

Applicable to policy form ENHANCE, including state abbreviations where used. If you are in Virginia, please read this important information.
(*Acrobat Reader required. Download Here)

Individual Short Term Disability Insurance

	Individual Short Term Disability Insurance

This plan features individual short-term disability coverage that provides the following worldwide coverage options.

On- or 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.

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.
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 portable, which 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.

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



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	"Colonial Supplemental Insurance" and the logo, separately and in combination, and "for what happens next" are service marks of Colonial Life & Accident Insurance Company. Colonial Supplemental Insurance 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 Supplemental Insurance is the marketing brand of Colonial Life & Accident Insurance Company.