Benefit Highlights
ManhattanLife Short-Term Disability offers coverage suitable for your employees’ needs.
BENEFITS OPTIONS Coverage
24-hour on, or Off-the-Job
Coverage Type
Accident & Sickness or Accident-Only
Accident/Sickness: 0/7, 7/7, 7/14, 14/14, 30/30 Accident Only: 0, 7, 14, or 30
Elimination Periods
Benefit Periods
3, 6, or 12 months
Total Disability Benefit Amount
$300/month - $6,000/month* (not to exceed 60% of income)
BASE BENEFITS
Pays a lump-sum benefit if the insured person is receiving total disability benefits and is Catastrophically Disabled for at least 30 days following the Elimination Period.** Subject to the maximum castastrophic disability benefit. Pays the Beneficiary a lump-sum benefit if the insured dies due to an injury sustained in a Covered Accident. Subject to the maximum accidental death benefit. Pays an amount equal to the Total Disability Benefit for the entire Benefit Period if an insured suffers an irrevocable loss due to Injury or Sickness.*** Pays an insured’s Beneficiary a lump-sum benefit if the insured person dies while receiving Total Disability Benefits for at least 6 consecutive weeks.**** Subject to the maximum survivor benefit. Pays a lump-sum benefit if the insured is diagnosed with a Terminal Illness while receiving Total Disability Benefits, and has been collecting benefits for 6 consecutive weeks when proof of diagnosis is received. Subject to the maximum terminal illness benefit. Pays a monthly benefit if the insured is unable to perform the duties of their Regular Occupation, is not working another occupation and is under the care of a Physician. Pays 50% of the Total Disability Benefit following at least one day of receiving a Total Disability Benefit. Premiums will be waived after an insured has been Totally Disabled for a period of 90 consecutive days due to a covered Injury or Sickness.
Total Disability Benefit
Partial Disability
Waiver of Premium
OPTIONAL ENHANCEMENTS
Catastrophic Disability Benefit
Accidental Death Benefit (not available in IL and MA)
Presumptive Disability
Survivor Benefit
Terminal Illness Benefit (not available in MA)
*Underwriting is required for benefits above $3,000/month **Catastrophically Disabled requires assistance in performing at least two Activities of Daily Living. ***See Policy for a specific list of covered Injuries or Sicknesses. ****If Terminal Illness Benefit is paid, the Survivor Benefit will not be paid.
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