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Disability Income Insurance

Disability Insurance

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Disability Income Protection for Your Employees

Accrued sick leave and vacation may not give employees all the time they need when rehabilitating from an injury, recovering from illness or coping with mental health concerns. With disability insurance, you can give employees access to financial relief when they face extended work absences so they can continue to care for themselves and their families.

  • Attract and retain employees — Compete for top talent and contribute to employee satisfaction with these valuable workplace benefits.
  • Provide for employees and their families — Replace some or all of employees’ income during times of disability to keep them focused on recovery and returning to work.
  • Customize products and service plans — Design a plan that meets the needs of your business and your employees. Choose elimination periods, benefit durations, partial disability benefits, return to work benefits, administration services and more.
  • Choose from budget-friendly options — Pay for it if you can, make it available to employees if you can’t — employees still benefit from group rates.
  • Offer a one lump sum option — An attractive disability benefit from OneAmerica lets you offer employees disability insurance that pays the full benefit amount at once, and there are no offsets for other income benefits.

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Employer-paid Benefits Designed to Truly Help

Round out employee compensation with workplace benefits — including short- and long-term disability insurance — and OneAmerica will support you every step of the way. From our local sales professionals to our dedicated, experienced claims management staff, our services can help you simplify benefits administration.

  • Streamline leave coordination — Put leave coordination and payments in our hands—as a trusted third party, we protect your employees’ privacy.
  • Simplify administration — Services available include FMLA administration, IRS tax reporting as well as real-time salary updates and employee adds/changes.
  • Provide consistent , timely claim resolution — Once we receive documentation, our turnaround time for group disability insurance claims averages three days.
  • Educate employees — Get help with enrollment/re-enrollment planning and resources, including personalized enrollment forms and benefits education materials.
  • Save time — Gain convenient access to coverage records and other online administrative options, such as online billing.

Custom Solutions & Professional Service

We offer quality insurance products with professional service. We will creatively design a custom solution for your short-term disability (STD) and long-term disability (LTD) needs, including these and other benefits.

  • Packaged benefits — As a package, STD and LTD combines qualifying participation rates to meet minimums, and results in one claim form for STD and LTD benefits.
  • Option-rich plans — Select from multiple elimination periods with differing premium rates, multiple benefit durations and incremental coverage.
  • Attractive one lump sum benefit — Give employees access to a supplemental policy that pays the entire benefit amount at one time—at the onset of the disability.
  • Rate guarantees — Flexible premium rate guarantee options up to five years, pending underwriting approval.
  • Portability — Certain, approved employees may continue their coverage for a limited period of time when coverage terminates.
  • Other benefits — Waiver of premium, guaranteed issue amount of coverage, guaranteed increase in benefit, survivor benefit.

Many Options for Specialized Needs

With our wide variety of disability insurance design options, we can easily adapt to the needs of your specialized industry or workforce. In fact, our flexible plan designs and innovative billing options have already made us a leader with school districts, municipalities and manufacturing firms.

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Notes:

Insurance products issues and underwritten through American United Life Insurance Company® (AUL), a OneAmerica Company.

Riders are optional and carry an additional cost. The long-term advantage of an optional benefit will vary with the terms of the benefit option, the investment performance of the variable investment options selected and the length of time the annuity is owned. As a result, in some circumstances, the cost of an option may exceed the actual benefit paid under the option.

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