Disability Insurance



Few events have a greater impact than the financial consequences of being disabled by an accident or illness. Our approach to Disability
insurance ensures that a form of substitute income can be received by employees due to a serious and prolonged illness or injury. 

Integrated Approach

Our integrated and comprehensive approach to Short Term and Long Term Disability guarantees continuity of benefits that is both appropriate and affordable for you and your employees.



Quickly Return to Work

Partial Disability and Rehabilitation benefits are included in our plans to help employees return to work while getting the support they need to make a full recovery.



Protection Against Inflation

Our Long Term Disability benefit protects employees from the impact of long term inflation by indexing the benefit through the optional Cost of Living Adjustment feature.



Help Navigating Coverage

Our customers find receiving Disability benefits from Argus convenient because our experienced representatives help them navigate multiple insurance coverages and obligations.




Interested in Learning More? Our experienced representatives look forward to speaking with you.


Our Disability Insurance Plans

Our two types of Disability Insurance give you the flexibility to make the right choice for yourself and your employees. 



STD Plan Details

Coverage:

Up to 26 Weeks

Our Standard Short Term policy provides either our standard 13 weeks or up to 26 weeks of income benefits to employees who are unable to work due to accidents or illnesses that occur outside the workplace.


Highlighted Features

  • No medical underwriting
  • Renewable
  • Claims payment satisfaction
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LTD Plan Details

Coverage:

Beyond 13 weeks

Our Long Term policy provides monthly income benefit protection for recipients should they become totally disabled.

 


Highlighted Features

  • Pays for the duration of the disability, subject to the maximum benefit period
  • Optional Cost of Living Adjustment benefit
  • Optional Contribution to Pension Plan benefit
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Frequently Asked Questions

Yes, benefits under the policy will not be paid in connection with a disability, resulting directly or indirectly, from a pre-existing condition until an employee has been insured under the policy for at least 12 calendar months.

Group Underwriters set Short Term Disability Premiums during renewals. A group underwriter will review a group as a whole, factor in claims experience and set the monthly rate based on a pre-determined cost analysis spreadsheet. The Short Term Disability premiums are billed monthly to the policyholder and will appear on the same invoice as their group health.

Short Term Disability plan renewals occur throughout the year and usually renew on the anniversary date of the policy or its original effective date.

Short Term Disability claims should be directed to Roslyn Francis (ext. 821) in our Group Claims Department. Mrs. Francis can advise if the claim is deemed a disability and communicate with the policyholder and employee on the particulars of the case.

Our standard income replacements are 50%, 66.67% and 75% of weekly earnings. Each benefit is subject to an overall weekly maximum, and plan design varies from plan sponsor.

Weekly Benefits will be paid to or on behalf of an Insured Employee if he/she becomes disabled while insured, is totally disabled throughout the Elimination Period, remains disabled beyond the end of the elimination period and submits proof of loss to us.

The Weekly Benefit will not exceed the Insured employee's net weekly benefit, or be paid for longer than the maximum benefit period. Please check with a Group Underwriter for additional information.

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