STDisability IN

Disability Income Insurance Focus on Recovery, Not Expenses How would you cover your everyday expenses if you experienced an Injury or Sickness and couldn’t work for a period of time? AF™ Short-Term Disability Income Insurance provides a steady benefit to cover everyday expenses while you are unable to work due to a covered Disability. Plan Highlights Benefits are Payable Directly to You You have the freedom to use the funds for your daily expenses such as: groceries, mortgage, daycare, etc. Customized to Meet Your Individual Needs AF™ Short-Term You can select a benefit amount and elimination period that best meets Disability Income your financial needs. Insurance Return-to-Work Benefit Indiana Schools Employees may receive a partial benefit for going back to work part- time while still on Disability. Choose the Right Plan for You BENEFITS BEGIN on the day of Disability due to a covered Injury or Sickness. Plan I & II On the 31st day Injury means physical harm or damage to the body you sustained which results directly from an accidental bodily Injury and is independent of disease or bodily infirmity. Sickness means a disease or illness (including pregnancy). Disability must begin while your coverage is active. Hospital - the term “Hospital” shall not include an institution used by you as a place for rehabilitation; a place for rest or for the aged; a nursing or convalescent home; a long-term nursing unit or geriatrics ward; or an extended care facility for the care of convalescent, rehabilitative, or ambulatory patients. Disability or disabled means that you are unable to perform the material and substantial duties of your regular occupation. EMPLOYER BENEFIT SOLUTIONS FOR YOUR INDUSTRY