Short Disability Insurance by AllState

  • If you are injured on the job, you may be covered by workers' compensation, but what if you are injured at home? A disability policy will protect your most valuable asset, your ability to earn an income, no matter where you become disabled.

2023-2024 Benefits Guide

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Plan Overview

  • Covers both sickness and accidents.

    Covers up to 66% of your monthly earnings.

    Use an individual plan to supplement a group policy.

    Benefits are payable after as little as 14 days.

    Maternity is covered the same as any illness.

Contact LifePlus

  • James Flynn
    jim@lpins.com

    Roger Goodson
    roger@lpins.com

    475 School Street, Suite 5
    Marshfield, MA 02050

    Phone: 781-837-9222
    Toll-Free: 866-511-9222
    Fax: 791-837-9227

Frequently Asked Questions

  • When can I sign up?
    Within the first 30 days of employment or during an enrollment.

    Does this policy cover accidents only?
    No, this policy covers accident and sickness.

    Can this policy be deducted from my paycheck like other benefits?
    Yes, the Short Term Disability also includes convenient payroll deduction.

    How much of my income does this policy replace?
    Up to 60% of your monthly earnings, to a maximum of $5,000 per month, can be covered.

    If I become pregnant, will I be covered?
    Yes, maternity is covered the same as any illness as long as the child is not born within 10 months of the effective date.

    What elimination periods are available?
    Elimination periods are flexible for each employee to customize to their circumstances 7, 14, 30, 90, and 180-day options.

    How long are benefits paid under the Disability program?
    Benefit periods are flexible for each employee to customize to their circumstances: 3, 6, 12, and 24-month options. Coverage continues up to age 70 for active employees.

    What are the pre-existing limitations?
    Anything that you have been treated for 12 months prior to the effective date will not be covered for the first 12 months of the policy.

    Can I keep this policy if I leave employment?
    Yes, this policy is portable (YOU OWN IT) at the same rates as when you were an employee.

Keep in MInd

  • Employees can elect to participate in the Disability Insurance program during the open enrollment in April with the effective date of July 1. The enrolment process is done directly through Allstate.