Disability Insurance
Short Term Disability
Short Term Disability Insurance can help you cover your essential living expenses and help safeguard your savings, since it can replace a portion of your income during the initial weeks of disability caused by a covered illness or injury. This policy offers:
Direct monthly payments
Spend the money how you choose, whether for medical expenses not covered by your medical plan like copays, deductibles or out-of-network care, or for nonmedical needs like household bills, childcare or home modifications.
Organ donor benefit
If you become disabled as a result of an organ transplant procedure, your benefit will be increased, and your waiting period will be waived.
Long Term Disability
Long Term Disability Insurance can replace a portion of your income should you become unable to work and earn a paycheck for an extended period of time due to a covered illness or injury. This policy offers:
Direct monthly payments
Spend the money how you choose, whether for medical expenses not covered by your medical plan like copays, deductibles or out-of-network care, or for nonmedical needs like household bills, childcare or home modifications.
Family care incentive
Provides reimbursement for eligible family care expenses if you work or participate in an approved rehabilitation program while disabled.
Moving expense incentive
If you participate in a rehabilitation program while disabled, reimbursement may be provided for expenses incurred to move to a new residence if recommended as part of the rehabilitation program.
Work incentive
100% of your pre-disability earnings may be received if you work while disabled.
Contact us
If you have any questions about obtaining or servicing your insurance, please contact Lockton Affinity at (800) 336-4759 or complete the following fields.
Phones are answered Monday through Friday, 7 AM to 5:30 PM (CST).
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