Group Short Term Disability Insurance (also known as weekly income, WI, STD)

Coverage is generally provided upon the first day of an accident, or upon the eighth day of an illness for a period of 13,26, or 52 weeks. Usually benefits are for 66 2/3% of salary, but different benefit percentages are available with different companies and in different situations. Definitions of disability vary with different insurance companies.

Group Long Term Disability Insurance (LTD)
Coverage is provided for longer periods of time than with Short Term Disability, typically two years, five years, to age 65 or for life. Elimination periods (also called waiting periods) are longer generally than with STD. This is the time one must wait once disabled before benefits begin. Disability definitions are critical in evaluating these plans.

This optional group benefit provides income for employees who are totally disabled due to a non-occupational injury or illness.

Weekly benefit amounts are available from $50 to $1,000 (not to exceed 66-2/3% of an employee's eligible weekly income).

Benefits are available on the first day of an accident or the eighth day of an illness to a maximum of 26 weeks per occurrence.

Groups may select Short Term Disability with or without medical coverage (stand-alone).

Select this and other optional benefits marketed by AMS, and you still receive only one monthly bill for all lines of coverage.

Participation requirements vary based on group size and types of coverage elected.

Note: Coverage statements are general descriptions only. The full and exact contract is contained only in the policy. Product availability only in the state of Texas. Please emailan agent if you have any questions.