AGI Benefits :: Short Term Disability

June 4, 2005

The sudden loss of income resulting from a disabling accident or illness would, in most cases, lead to serious financial consequences. In fact, statistics prove that the probability of disability greatly exceeds the probability of death during an individual's working years.

Short Term Disability (STD) Insurance provides income protection due to injury or illness after a stated period of time during which the employee cannot perform the material duties of their profession (typically 7 to 14 days). Benefit periods typically last for 90 to 180 days and where applicable, integrate seamlessly with LTD benefits.

Our STD contracts often include the following features:

No Pre-Existing Condition Limitation

Partial Disabilities are covered even during the Elimination Period

Guaranteed Renewable coverage

Very Competitive Rates

Multi-Year Rate Guarantees