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Humana offers disability plans for short and long term absences so employees have the extra protection they need in the event disability benefits are needed.

•    Disability benefits are available for 2+ sized groups.
•    Rate guarantees offered up to 3 years for both Short Term Disability and Long Term Disability products.
•    Composite rates available down to 5 lives.
•    LTD has no initial earnings loss requirement, and many optional riders such as: Activities of Daily Living, Cost of Living Adjustment, Business Protection Rider, Medical Premium Supplement and more.
•    EAP benefit is included at no charge when a disability line of coverage is written alongside two other lines of coverage with Humana.
•    Humana's disability product offers return to work incentives to encourage employee participation in rehabilitation to help with recovery.
•    Claims process is quick and simple, with options to file a claim via phone (STD only), email or fax

For More Information or Help Quoting Humana, Please Contact Your Dickerson Sales Representative.