Humana's disability plans
Plans vary by group size and riders selected by the employer. The length of payment schedules and size of payment benefits vary depending on the duration of the disability and the employer's size, respectively. Here's a general overview of plan features and options:
Features of group STD plans may include:
- Up to 66 2/3% reimbursement of insured's weekly earnings
- Coverage for non-occupational sickness, mental illness, substance abuse, and pregnancy
- Partial and residual benefits
- Recurrent disability benefits
- Multiple causes of disability benefits
- Vocational rehabilitation or rehabilitative employment benefits
Features of LTD plans may include:
- Choice of plan designs
- Multiple monthly benefit maximums and elimination periods
- Various income replacement percentages
- Definition of disability covering own occupation and any occupation
Optional LTD benefit features may include:
- Accidental dismemberment and loss of sight benefit
- Activities of daily living benefit
- Pension contribution benefit
- Cost-of-living adjustment
- Online work-life resource/EAP providing access to legal, financial, childcare, eldercare, and caregiver resources
- Customized rehabilitation programs
Plan integration and return-to-work support
Our group STD and LTD plans are designed to complement each other. A key element in managing LTD claims better is early involvement in the STD claims process. Employees also benefit from options that may include supportive clinical programs and rehabilitative services - incentives toward the goal of recovery and a return to independent, productive work.
Find out more about Humana disability insurance
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