A sudden injury or illness can keep you from working, creating a stressful gap in your income. Short-Term Disability insurance helps replace a portion of your paycheck, allowing you to focus on your recovery without financial worry.
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Sarah develops severe wrist pain that makes it impossible to treat patients. Her doctor recommends six weeks of rest and therapy.
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Within days of filing her claim, Sarah's short-term disability plan begins replacing a portion of her income—paid directly to her.
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Sarah focuses on recovery instead of worrying about mortgage payments or student loans. Her benefits continue until she's cleared to return to work.
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Self-enroll and review your coverage options online through Allstate.
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Allstate Term Life to 100 and Long Term Care Insurance offers coverage for expenses not covered by traditional health insurance.
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Full-time and/or permanent part-time, actively-at-work 20 or more hours per week (excluding temporary and seasonal employees, retirees, honorary, and life members) are eligible for coverage.
Yes, a benefit for pregnancy is paid if the total disability first begins after the certificate has been in force for at least 9 months.
Yes, disability insurance is different from workers’ comp. Workers’ comp covers you if you are injured on the job. Disability insurance covers you if you are injured off the job. The member is totally disabled when Allstate determines that due to a sickness or injury the employee is unable to perform the material and substantial duties of his or her own occupation, and under the regular care of a doctor.
The length of short-term disability coverage depends on which option you choose. There are two options for the Benefit Period: 3 months and 6 months.
Benefits will be paid for the length of the Benefit Period that you choose, but not beyond the Maximum Benefit Period. The Maximum Benefit Period is the maximum amount of time that benefits will be paid for any one total disability. The Benefit Period is the length of time that you are eligible to receive benefits after the Elimination Period has been met. The Elimination Period is a period of continuous total disability that must be satisfied before you are eligible to receive benefits.
The Elimination Period is 7 days. The Elimination Period is a period of continuous total disability that must be satisfied before you are eligible to receive benefits.
The maximum monthly benefit is $5,000.
The following are the exclusions and limitations:
You may request to increase your existing insurance coverage during specific enrollment periods and not to exceed the maximum policy limit. If approved, the increase in coverage will be based on your current (attained) age.
This coverage is provided through a Simplified Issue enrollment, meaning you will be asked a few brief health related questions.
If you qualify for LTC benefits, where you receive care is up to you (at home, assisted living, adult day care, nursing home). However, the policy will only pay LTC benefits for care received in the United States.
Death benefits are paid anywhere in the world.
