Helpful Tools
- The Needs Estimator can help your employees estimate how much disability income protection is necessary.
- The Standard video, Protecting your lifestyle - Disability Insurance points out the need for disability coverage.
- The Council for Disability Awareness provides a personal approach to determining the need for disability insurance in their video, What's Your PDQ?
Short Term Disability (STD) insurance is designed to provide financial protection for eligible employees by promising to pay a percentage of weekly earnings to an employee who cannot work because of a covered illness or injury. Other features of the plan include the following:
- Return to work Responsibility and Incentive
- Temporary Recovery Provision
Standard Insurance Company provides STD insurance to eligible employees of companies through the Printers' Disability Trust. Employers have found this to be an important tool in retaining key employees. PDT provides a variety of plan designs and the choice is up to you.
Product Options
PDT offers all levels of coverage to meet a variety of employer needs. The chart below and the Benefits at a Glance documents provide details on the various plans available and how they differ.
Monthly Benefits |
Max Benefits |
Benefit Waiting Period |
Max Benefit Period |
|---|---|---|---|
| Plan A - Benefits at a Glance | |||
| 60 percent of weekly predisability earnings as of the date of disability | $150, $300, $600, $900 or $1,200 | None for disability caused by accidental injury seven days for disability caused by physical disease, pregnancy or mental disorder. | 13 weeks |
| Plan B - Benefits at a Glance | |||
| 60 percent of weekly predisability earnings as of the date of disability | $150, $300, $600, $900 or $1,200 | None for disability caused by accidental injury seven days for disability caused by physical disease, pregnancy or mental disorder. | 26 weeks |
Managed Plans:
The Managed Plans provide a more economical option for disability coverage, as they are a blend of Short Term and Long Term Disability provisions. Please review the Benefits at a Glance for each plan and the Group Managed Disability Brochure for more details.
Monthly Benefits |
Max Benefits |
Benefit Waiting Period |
Max Benefit Period |
|---|---|---|---|
| Managed Plan A - Benefits at a Glance | |||
| 60 percent of the first $3,847 of your weekly predisability earnings as of the date of disability | $2,308 | None for disability caused by accidental injury seven days for disability caused by physical disease, pregnancy or mental disorder. | 90 days |
| Managed Plan B - Benefits at a Glance | |||
| 50 percent of weekly predisability earnings as of the date of disability | $692 | None for disability caused by accidental injury seven days for disability caused by physical disease, pregnancy or mental disorder. | 90 days |
| Managed Plan C - Benefits at a Glance | |||
| 50 percent of weekly predisability earnings as of the date of disability | $692 | None for disability caused by accidental injury seven days for disability caused by physical disease, pregnancy or mental disorder. | 90 days |
| Managed Plan D - Benefits at a Glance | |||
| 60 percent of the first $3,847 of your weekly predisability earnings as of the date of disability | $2,308 | Fourteen days for disability caused by accidental injury. Fourteen days for disability caused by physical disease, pregnancy or mental disorder. | 13 weeks |
To learn more about the Printers' Disability Trust plans and the coverages available through The Standard, please read the Benefits at a Glance for each plan, Short Term Disability Brochure and Certificate of Insurance, then please contact Pat Harris at the PDT office at 800.342.5799 or email pdtins@aol.com