Disability

Group Disability Insurance Plans

We’ve got small business covered

Humana offers employer-paid base benefits and employee-paid supplemental benefits. These plans allow for a custom fit that suits your clients and their employees. Our plans are designed to keep costs in control. Employers can determine the benefit levels that fit their budgetary considerations, as well as plan details such as waiting periods and benefit durations.

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Group long term disability plans (LTD)

Help protect income and control costs

Group LTD plans help provide financial protection when an employee experiences a prolonged inability to work.

  • Choice of plan designs
  • Multiple benefit maximums and elimination periods
  • Various income replacement percentages
  • Supplemental, employee-paid insurance provides additional coverage

Group short term disability plans (STD)

Motivate employees to return to work

Protect your clients’ assets and their employees’ assets too. STD plans can replace income lost due to non-occupational sickness, mental illness, substance abuse, and pregnancy. And they include incentives for disabled employees to return to independent, productive lives as quickly as possible.

  • Plans vary by group size and riders selected by the employer
  • Up to 66 2/3% reimbursement of insured's weekly earnings
  • May include vocational rehabilitation or rehabilitative employment benefits
  • Supplemental, employee-paid insurance provides additional coverage

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