Short-Term Disability

SLPC 25190 12/13 (exp. 12/15)

Sun Life can tailor a Short-Term Disability plan to help you manage costs while providing a competitive benefit to your employees. We’ll also help your employees grasp the true value of disability coverage through our plain language, education, and helpful services.

How does it work?

We offer flexible plan design – including fully insured plans, Advice-to-Pay plans, small business plans, statutory plans (NY, NJ, and HI), and voluntary plans. You can select benefit amounts and durations that are affordable for your employees and easy for you to manage. All plans can be offered on a stand-alone basis or combined with our Long-Term Disability plan and FMLA administration program. Premiums can be paid by you, your employees, or both.

What's covered?

Our Short-Term Disability plan covers disabilities resulting from injuries or illnesses that prevent employees from performing the material duties of their occupations in the short term.

Benefits for . . .

Employees

  • Five-day turnaround on claim decisions
  • Attractive coverage including full maternity, first-day hospitalization, and more
  • Return-to-work incentives and programs
  • On-staff nurse case managers to handle claims
  • Partial disability option

Employers

  • Customize the best plan for your company and employee needs
  • Claims management
  • Service guarantees if we don’t meet certain service standards1
  • Funding options: employee-paid, employer-paid, or both
  • Disability management services to help employers manage self-insured claims
  • Optional Employee Assistance Program
  • Integrated waiver of premium processing when the plan also includes our Group Life insurance
  • Help employees achieve peace of mind knowing financial support is available

1. Any payment will be paid, by check, at the end of a policyholder's policy year. To obtain a payment, a policyholder must request it in writing. Sun Life Financial will determine whether a payment is made. Sun Life Financial's maximum liability under this guarantee is limited to the lesser of 3% of a policyholder's annual Life premium and $5,000. The maximum payment for breach of the service standard is one-third of the maximum liability, or $1,667 each for claims service, customer service, and overall satisfaction guarantee.

 

Group life and disability insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 98P-ADD, 01C-LH-PT, 12-GP-01, and 12-DI-C-01. In New York, group life and disability insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Windsor, CT) under Policy Form Series 13-GP-LH-01, 13-LF-C-01, 13-GPPORT-P-01, 13-LFPort-C-01, 13-ADD-C-01, 13-LTD-C-01, 13-LTD-P-01, 13-STD-C-01, and 06P-NY-DBL. Product offerings may not be available in all states and may vary depending on state laws and regulations.