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What is Voluntary Short-Term Disability insurance?

Voluntary Short-Term Disability (STD) insurance makes it possible for employees to receive partial income replacement while recovering from an illness or injury. Employees and their families can receive the financial support they need to for a period of weeks or months.

Employees can choose to receive up to 70% of their covered weekly earnings, up to $1,250 or greater per week.1

Who should consider it?

A regular salary may not be the first thing that an employee—or employer—thinks about protecting with insurance. But even a short period out of work, with no money coming in, can wreak havoc with a family's finances. Having a Voluntary Short-Term Disability option could provide essential income stability.

  • Key benefits

    Key benefits

    • A range of options for benefit duration
    • Weekly benefits are paid to the employee
    • Easy payment through payroll deduction
    • Return to Work incentives
    • Survivor benefits
    • Social Security advocacy
  • Additional features

    Additional features

    Voluntary STD benefits are available as a percentage of the employee's salary or as a flat amount. Employers can select to have benefits start as soon as first day for accidents and eighth day for sickness, or as late as 30th day for accident and sickness. Standard benefit duration can be set at 13 weeks or 26 weeks.

  • Application process

    Application process

    For information or to request a proposal for a Voluntary STD insurance policy underwritten by USAble Life, Principal Life, The Hartford or Voya, please contact your Mosaic Group representative. Coverage may be offered on a Guaranteed Issue basis, as determined by underwriting guidelines.2

  1. Actual benefit levels vary based on group size, demographics and industry, and will be determined by the insurance company selected and their underwriting guidelines.
  2. Actual benefit levels vary based on group size, demographics and industry, and will be determined by the insurance company selected and their underwriting guidelines.