Group Short-Term and Long-Term Disability

Disability isn’t uncommon. Almost one-third of Americans entering the work force today will become disabled—unable to work for a period of time—before they retire. If and when a disability keeps them from working, it shouldn’t interfere with their ability to pay the bills. You can help keep that from happening.


If an employee is unable to perform the essential duties of their job due to a covered illness or injury, LifeMap will provide them with a weekly check that can help pay the bills while they get back on their feet.  Short Term Disability provides a portion of an employee’s income for the length of time an employee remains disabled, or until the maximum period of payment has been reached.  To provide maximum coverage for your employees, consider providing both Short Term and Long Term disability coverage.

If they’re partially disabled—meaning they can perform all of their job duties some of the time or some of their duties all of the time—employees may be eligible for partial benefits.

With Short Term Disability Coverage, employees can focus on healing.  And group short term disability insurance is very affordable.


Long Term Disability Coverage  provides around-the-clock coverage for disabilities that result from illness or injuries, on the job and off. It covers employees who are unable to return to work due to their disability and those who become partially disabled but can work some of the time.

You can create a plan that fits the needs of your workforce and company, and customize your offering from a wide variety of benefit options:

  • Earnings replacement percentage: Choose to cover 40% to 70% of an employee’smonthly income; typical benefits are 60% or 66 2/3%.
  • Benefit elimination period: Choose to start benefits at 60, 90, 120, 180 or 365 days after the disabling illness or injury.
  • An accumulation period of up to TWICE the elimination period: If an employee returns to work during the Elimination Period but cannot return to work on a continuous basis, the days that they are disabled can be used toward satisfying the elimination period.
  • Maximum benefit period: Opt for a coverage length of two or five years, or up to the employee’s Social Security Normal Retirement Age.
  • Regular occupation benefit period: This coverage can match the maximum benefit period for ultimate coverage, or you can limit benefits to a shorter period of time (two to five years) for employees who are unable to perform the duties of their regular occupation. After this period, employees must be unable to perform the duties of any gainful occupation they are reasonably suited for by training, education or experience in order to continue receiving benefits.
  • Partial disability benefits: Include protection for employees who become partially disabled, meaning those who can perform all of their job duties some of the time or some of their duties all of the time. We can also offer our Progressive Partial formula that allows a working, disabled employee to earn up to 100% of their pre-disability earnings.