Providing your employees with ample income protection is one thing. Helping them overcome limitations to reclaim their lives is another. Our products do both. What does that mean to you? Shorter durations and a safer, faster return to productivity, in many cases. And better outcomes for your employees.

Why disability insurance?

Three in 10 workers between the ages of 25 and 65 will experience an accident or illness that keeps them out of work for three months or longer.¹

Short-term Disability (STD): Paycheck protection.

When employees are unable to work because of a disabling injury or illness, STD goes to work for them, replacing part of their income. Our product makes the whole process easier for everyone because:

• Experienced nurses handle the claims, providing compassionate expertise that can reduce durations.
• We can integrate STD with LTD, FMLA and Workers' compensation for seamless, effortless transitions.
• We use a 100 percent return-to-work incentive formula for companies with 500+ employees.

Long-term Disability (LTD): Continuing protection.

Like STD, our LTD product is carefully designed to emphasize ability, not limitations. It addresses your employees' need for a secure income together with your need for the best possible outcome at work, through features like:

• A disability definition that lets employees satisfy the Elimination Period with a loss of duties only.
• No self-reported symptom limitations, thanks to effective claims management.
• Ability Assist^®, a value-added service, which provides employees with emotional, legal and financial help at no extra cost. Giving them the peace of mind they need to focus on recovery.
• A Vocational Rehabilitation Program that offers vocational and job placement services, as well as work-related guidance and resources.

¹ Social Security Administration, Fact Sheet, January 31, 2007.