Short-term disability plans should be simple and easy to customize for the group's needs. Dearborn National's group STD policies feature competitive rates and plan design features, and may include Disability Resource Services^TM and an Employee Assistance Program for certain size groups¹ . Other features include:

• Flexibility to tailor an STD plan that fills the gap between sick leave or paid time-off plans and long-term disability
• Selection of elimination period, benefit percent, and maximum weekly benefit amount
• Benefits for total disability or partial disability-total disability is not required to qualify for benefits.
•Coverage for non-occupational disability only or 24-hour coverage
•Employer-paid or voluntary programs

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