Short Term Disability (STD) is defined as an absence from work due to an accident or sickness that occurs outside the work environment (all on-the-job accidents are covered through Workers Compensation). A typical STD policy will provide an employee with a weekly portion (e.g. 50% or 60%) of their salary to a pre-determined "cap" (e.g. $5000 or $10,000) for a pre-determined length of time (e.g. 13, 26, 52 (max) weeks).

According to the American Council of Life Insurers, nearly one-third of all Americans will suffer a serious disability between the ages of 35 and 65.

FILCO provides a wide variety of choices for all your group benefit needs. Below is a list of a few carriers that FILCO represents for Short Term Disabilities policies. If you have any questions regarding this or any other Ancillary lines of business please contact us at info@filco.net or at aguarini@filco.net.

UNUM
Principal
First Fortis
First Rehabilitation
First Reliance
MET Life
Prudential
US Life
Guardian

Please Note: FILCO also provides quotes for the state mandatory STD program, DBL. For more information on DBL, please click here.

Click here to download a quote request form