Voluntary Short-Term Disability Insurance

What is Short-Term Disability Insurance? 

An employee’s savings might not be enough if an illness, injury or pregnancy keeps them out of work beyond their paid sick days. Short-term disability insurance (STD) helps protect employee income during extended work absences and can help employees pay the bills when they cannot work due to a covered claim.
 

Why Employees Need Short-Term Disability Insurance (STD)

Every second, a disabling injury changes someone’s life.1
 
Health insurance only covers medical bills. It won’t pay for groceries or rent.
 
And Workers’ Compensation kicks in only in the event of a work-related accident or injury.
 
The Hartford’s short-term disability plan can help maintain productivity by helping employees stay on the job. If they do incur an illness or injury, The Hartford can provide the resources employees need to help them return to work as soon as they are reasonably able.
 

What Short-Term Disability Insurance Covers

Short-term disability insurance replaces a portion of an employee’s income for covered injuries sustained outside of work.
 
Some common examples:
 
  • Rehab
  • Maternity leave
  • Runner's knee
  • Whiplash
  • Tennis elbow
  • Surgery recovery
  • Bunion removal
  • Carpal tunnel syndrome
  • Stress/anxiety
  • Tendonitis
  • Herniated disks
  • Broken bones

Flexible Short-Term Disability Insurance for Businesses

Short-term disability insurance gives employees peace of mind. Businesses can customize their short-term disability insurance policy to be a stand-alone plan, complement an employer-paid short-term disability plan or work with a long-term disability plan to help ensure continuity of coverage. Benefits include:
 
  • Various benefit start dates, including first day injury
  • Benefit durations up to 52 weeks
  • Benefit amounts that include 50%-67% of income loss
  • Clinical claims management through highly trained nurses

What Employees Get

The Hartford goes beyond the benefit with built-in value-added services to support an employee's recovery – at no extra cost to the company or the employee.
 
  • Ability Assist®4 – Provides confidential support for emotional, legal and financial issues
  • HealthChampionSM5 – Offers unlimited access to benefit specialists and nurses who can provide administrative and clinical support to address medical care and claims concerns
 

How to Get Short-term Disability Insurance

The Hartford makes it easy for brokers and employers to find the right coverage. Connect with a representative from The Hartford today.
 
 
5759p NS 02/18
 
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent.
 
National Safety Council,® Injury Facts,® 2014 Ed.
4 Ability Assist® services are offered through The Hartford by ComPsych.® ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. Ability Assist is a registered trademark of The Hartford. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
 
5 HealthChampionSM services are provided through The Hartford by ComPsych.® ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford doesn’t provide basic hospital, basic medical, or major medical insurance. HealthChampion specialists are only available during business hours. Inquiries outside of this timeframe can either request a call-back the next day or schedule an appointment. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. HealthChampion is a service mark of ComPsych. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.

Why Voluntary Short-Term Disability?

Learn more about how our Voluntary Short-Term Disability can benefit you and your employees.