Group Short Term Disability Insurance

Our Short Term Disability insurance helps replace income when an employee is unable to work for a specific period of time due to a Total Disability that occurs off the job and continues beyond the elimination period. Coverage may include recurrence and additional occurrence benefits. May be issued as non-occupational or 24-hour coverage, and may include partial or residual benefits.

1 in 3

adults with disabilities have an unmet healthcare need because of the cost in the past year.1


Short Term Disability insurance can help meet your employees' needs

  • Offered guaranteed issue
  • Available for small-to-mid-size groups (participation requirements may apply)
  • Flexible benefit amounts, benefit periods, and salary replacement percentages
  • Flexible funding options (employer-funded, employee-paid, or combination)
  • Attract and retain top talent while reducing turnover

Our Short Term Disability insurance includes a range of benefit options:

  • Use as part of a well-rounded benefits package

    Our Short Term Disability insurance can be offered standalone or alongside other benefits. For example, some customers package Short Term Disability insurance plans alongside Group Limited Indemnity insurance or Critical Illness insurance.

  • Customize options based on needs

    Short Term Disability insurance is flexible. Add benefits that meet employees’ specific income replacement needs and benefit budgets.


Insurance is underwritten by Beazley Insurance Company, Inc., 30 Batterson Park Road, Farmington, Connecticut, 06032. Beazley is rated A by A.M. Best. Beazley is licensed in all 50 states and the District of Columbia. CA License # 2868-8. Short Term and Short Duration Disability insurance is offered under Policy Form Series AHDIM0001. Salary replacement is based on earned income, as defined in the policy. A pre-existing condition limitation may apply to the benefits offered under this policy. Coverage is not available in all states. Benefits may vary by state. Premium will vary based on the plan chosen. A waiting period for late entrants may apply. This policy is renewable at the option of Beazley. Refer to the Master Policy and Certificate for all terms, conditions, exclusions and limitations. Beazley uses the services of third party administrators.

Globe Life And Accident Insurance Company manages and reinsures the Beazley Benefits program.