Group Short-Term Disability

Short-Term Disability coverage from Atlantic American Employee Benefits can help by providing benefits that can be used towards day-to-day expenses that occur during a period of disability, such as mortgage, food, utilities and daycare. Our Group Short-Term Disability product allows employers to develop a customized benefit offering that may aid employees and their families facing a disabling illness or injury. Having a solid backup plan in place is key to financial peace of mind.

Our Voluntary Benefits

Product Highlights

  • Provides monthly benefit amounts in $100 
increments from $300 up to $6,000 or 67% of income, whichever is less
  • Flexible plan designs
  • Monthly benefits, paid directly to the insured
  • Generous Guaranteed Issue levels
  • No reduction of benefits due to any other coverage
  • Waiver of premium*
  • Pre-existing credit for replacement of prior group coverage**
  • Issue age rates
*Waiver of premium applied once the covered employee satisfies the elimination period and begins receiving disability benefit.
**Credit towards pre-existing condition limitation for the time covered under a prior Group Disability Income policy available.

Customize Your Plan

  • Employer-paid or voluntary
  • Choose which benefits to include
  • Decide who’s eligible
  • Self bill or list bill
  • Benefit periods of 3, 6 or 12 months are available
  • Available Accident/Sickness Elimination Periods (days): 0/7, 7/7, 0/14, 14/14, 30/30, 60/60
  • Partial Disability Rider
  • Limited Pre-Existing Condition Benefit Rider
  • Family and Medical Leave Act (FMLA) Rider
  • Job-Related Accident Only Disability Rider


Product Sheet