The Standard Launches Disability Package

Available in most states, All In One Disability combines group Short Term and Long Term Disability coverage in one package “giving employers the convenience of administering one plan instead of two,” the company said in a press release.      

All In One Disability includes the following features:

• An Own Occupation definition that includes a more refined “own job” period, which is based on a claimant’s particular job with their employer;
• 90-Day Preexisting Condition waiver: Benefits payable up to 90 days even if the disability was caused by a preexisting condition; and
• Available to any employer with 10 or more employees.

In addition, the announcement said, to help facilitate employees’ return to work, All In One Disability offers a Rehabilitation Plan Provision to help with expenses such as job searching, training, education, and family care. A Reasonable Accommodation Expense Benefit is also included to reimburse employers for worksite modifications made on behalf of disabled employees.      

For groups with 10 to 2,499 insured employees, All In One Disability includes a confidential Employee Assistance Program (EAP) provided through an arrangement with Horizon Health which helps employees and their families address problems such as stress and anxiety, financial and legal concerns, alcohol and drug abuse, and child or elder care.