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Disability Insurance

DISABILITY INSURANCE

Allstate provides our short-term disability insurance. While workers' compensation covers on-the-job injuries, this policy protects your income if you're disabled outside of work, ensuring financial security regardless of the cause of your disability.

 

 

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HELPFUL LINKS

PLAN OVERVIEW

Covers both sickness and accidents.

Covers up to 66% of your monthly earnings.

Use an individual plan to supplement a group policy.

Benefits are payable after as little as 14 days.

Maternity is covered the same as any illness.

CONTACT LIFEPLUS

Roger Goodson
rgoodson@hilbgroup.com

Marshall Cook 
Mcook@hilbgroup.com

475 School Street, Suite 5
Marshfield, MA 02050

Phone: 781-837-9222
Fax: 791-837-9227

FREQUENTLY ASKED QUESTIONS

  • Within the first 30 days of employment or during an enrollment.

  • No, this policy covers accident and sickness.

  • Yes, the Short Term Disability also includes convenient payroll deduction.

  • Up to 60% of your monthly earnings, to a maximum of $5,000 per month, can be covered.

  • Yes, maternity is covered the same as any illness as long as the child is not born within 10 months of the effective date.

  • Elimination periods are flexible for each employee to customize to their circumstances 7, 14, 30, 90, and 180-day options.

  • Benefit periods are flexible for each employee to customize to their circumstances: 3, 6, 12, and 24-month options. Coverage continues up to age 70 for active employees.

  • Anything that you have been treated for 12 months prior to the effective date will not be covered for the first 12 months of the policy.

  • Yes, this policy is portable (YOU OWN IT) at the same rates as when you were an employee.

KEEP IN MIND

Employees can elect to participate in the Disability Insurance program during open enrollment in April, with an effective date of July 1. The enrolment process is done directly through Allstate.