Disability Coverage

Disability Coverage


Employee-paid disability coverage offers you income protection with benefits that partially replace income lost as a result of a disabling non-occupational accident or illness.


What disability coverage offers

When a non-occupational accident takes away the ability to bring home a paycheck, employee-paid disability coverage helps fill the gap. Payments can be used for any purpose, including ongoing bills such as rent or mortgage payments, educational expenses, food, and car payments.

Benefit options include:
  • Disability Income Advantage – Provides non-occupational (off-the job) coverage for disability resulting from injury or illness
  • Disability Income Plus – Benefits can be provided for partial disability at 50%, and for recurrent disabilities if you are disabled within 180 days of returning to work

Humana's partial disability benefit is unique for a voluntary product — if you are able to return to work and assume 20% to 80%of your duties, you will receive 50% of the disability benefit for up to six months.


Plan tools

If you have employee-paid disability coverage from Humana, take advantage of these resources.

How much disability coverage do you need?

Use this worksheet to find out
Disability calculator worksheet
Download PDF

Contact us with benefit questions

If you have questions, call our Customer Care specialists toll-free: 1-877-378-1505 Monday – Friday, 8 a.m. – 5:30 p.m., Eastern time.

Service and claims forms

Commonly Used Forms

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