Group Short Term Disability Insurance

Help protect your income and your family’s financial security when you are unable to work.

What would happen if your income stopped tomorrow?

Would you still be able to pay your living expenses? Support your family? Your ability to earn an income is one of your most valuable assets. That is why we offer Group Short Term Disability Insurance. It can help protect your income, ensuring funds are available if you become too sick or hurt to work. Here are some important coverage details:

Up to $3,500 in monthly benefits

You choose the monthly benefit amount in $100 increments.

Specially negotiated member rates

Negotiated rates that you can pay through payroll deductions.

30-day waiting period

Benefits start after a 30-day waiting period.

Calculate Your Premium Apply Online

For questions call 1 (800) 422-4492,
Monday through Friday, 8:30 AM to 5:00 PM (ET)

Get an instant rate quote

Use this handy calculator to get a good idea of what your rate will be.

Select Your Age

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Gender

Smoker

Please select your membership status:

Active Postal Support Employee (PSE) Associate Retiree

Please Note:
You must notify The Voluntary Benefits Plan of any address change for you, your dependents and/or beneficiaries, and any change in employment and union membership status change, life status change (i.e., marriage, divorce, beneficiary or name change), or benefit changes requested. Notice must be in writing. To continue coverage, insured must continue to be eligible for coverage under the terms of the group certificate, please advise us of any change that affects your eligibility for coverage.

Administered By:
Voluntary Benefits Plan
P.O. Box 12009
Cheshire, CT 06410
Phone: 1-800-422-4492
Fax: 1-203-754-7847

We have the answers

The Short Term Disability plan will pay benefits on the 31st day of a covered disability and benefits are payable up to 12 months. The Long Term Disability plan will pay benefits from the 13th month of a covered disability and benefits are payable to age 65 or you return to work.

You may apply for either or both plans with the same or different benefit amounts up to two-thirds of your basic monthly pay. If you become disabled, and have both plans, you would first collect benefits under the Short Term Disability plan after your 30 day waiting period. If you were still disabled at the end of the 12th month, you would continue to receive benefits under the Long Term Disability plan

All disability applications go through an underwriting process. Acceptance is based on the information you provide and your answers to the medical questions on your application.

Group Short Term Disability Insurance

What is the difference between the Short Term and Long Term Disability Plan?

May I apply for only one of the disability plans or do I have to apply for both?

Are the disability coverages Acceptance Guaranteed?