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Short-Term Disability Insurance Comparison

 
Unum The Hartford
Pays if you are unable to perform your job due to non-work-related accident or illness. Pays if you are unable to perform your job due to non-work-related accident or illness.
Monthly cost: $0.71 per $100 of salary Monthly cost: $0.39 per $100 of salary
After-tax deduction After-tax deduction
Benefits are tax-free Benefits are tax-free
Maximum Payment Duration: 26 weeks Maximum Payment Duration: 26 weeks from date of disability. If there is a waiting period, maximum duration could be 18 or 22 weeks.
Pays weekly benefit of lesser of:
  • 70% of base weekly earnings
  • $750 (Option A max. salary $55,714)
  • $1,500 (Option B max. salary $111,430)
  • $2,000 (Option C max. salary $148,571)
Pays weekly benefit of lesser of:
  • 66.66% of base pay
  • $769.27

Minimum benefit payment of $57.69

Benefits are not offset by any other payments such as sick or vacation leave. Benefit payments are offset by sick leave payments, vacation leave payments, and other paid leave. You cannot collect full STD benefits and paid leave at the same time.

Benefits begin on

  • First day if hospitalized for at least 24 hours.
  • First day for outpatient surgery.
  •  31st day if not admitted to hospital.

Benefits begin on

  • First day if disability is due to an accident.
  • 31st day if disability is due to illness.

If you elect coverage after your initial new hire/eligibility enrollment period and become disabled during the first 12 months of being covered under the plan, your benefits will start on the 61st day of disability due to illness or pregnancy.

Pre-existing condition exclusion for first six months after initial election or after option level increase. No pre-existing condition exclusion.

Benefits for pregnancy

  • 6 weeks paid for normal birth, 8 weeks for C-section.
  • Pregnancy is not a pre-existing condition. Pregnancy complication is a pre-existing condition.

Benefits for pregnancy

  • Benefits for a normal birth pay from the 31st day through 42nd day after birth; benefits are payable through the 56th day for a C-section.
Periods of disability due to the same cause count as one period unless separated by six months or more of full-time active work. Periods of disability due to the same cause count as one period unless separated by 30 days or more.
Includes $5,000 life insurance policy and $30,000 Accidental Death and Dismemberment policy Return to Work: Partial benefits if working less than full time.