Short-Term Disability Insurance

When it comes to insurance, most people protect their possessions, such as vehicles and homes, and plan for the unexpected with life insurance, but many people forget to protect a less obvious, yet important element of their lives—the ability to work and earn a living.

Man sitting on the couch with his leg in a cast.

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Included Benefits

MedMutual Protect Short-Term Disability insurance provides partial replacement of an employee’s income in the event the employee suffers an injury or illness that requires the regular care of a physician and results in the inability to do his or her work. With a short-term disability policy through MedMutual Protect, employees receive:

Convenient coverage through payroll deductions
The option to choose benefit duration periods
Waived disability premiums during any covered disability

How it Works

If you’re unable to work because of an accident or illness, simply file a claim.
Your benefits will begin after the waiting period, and you’ll receive a check for the benefit amount you selected during enrollment.
1. You’ll get paid weekly for the benefit term.
2. Use the money for anything you need, including your mortgage, rent payment, utility bills or groceries.

Included Benefits

Convenient coverage through payroll deductions
The option to choose benefit duration periods
Waived disability premiums during any covered disability

How it Works

If you’re unable to work because of an accident or illness, simply file a claim.
Your benefits will begin after the waiting period, and you’ll receive a check for the benefit amount you selected during enrollment.
1. You’ll get paid weekly for the benefit term.
2. Use the money for anything you need, including your mortgage, rent payment, utility bills or groceries.

Policy Forms KB-MSDI, KB-ESDI.

This policy has exclusions and limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact MedMutual Protect.

This is only a summary of products and services offered. Actual offerings may vary by group size and other underwriting considerations and are subject to the requirements of state insurance laws and regulations, and the benefits/provisions as described may vary due to such requirements. All products are subject to the terms, conditions, limitations and exclusions of the specific policy, and coverage will only become and remain effective to the extent provided by the applicable terms, conditions, limitations, and exclusions of such policy. Please see the specific policy and certificate for details. Policies are not available in all states.

MedMutual Protect is the brand name for insurance products issued by subsidiary insurance companies controlled by Medical Mutual of Ohio. Each subsidiary of Medical Mutual of Ohio is solely responsible for the insurance products it underwrites and issues.

The underwriting company for the worksite voluntary Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, GAP, Short Term Disability and Life Insurance Products is Reserve National Insurance Company, which is responsible for the underwriting risks, ﬁnancial and contractual obligations and support functions associated with the products it issues. The underwriting company for the worksite voluntary Hospital Indemnity and Signature Gap is Fidelity Security Life Insurance Company^® (FSL). FSL is not ﬁnancially afﬁliated with Medical Mutual of Ohio. All products are subject to the terms, conditions, limitations and exclusions of the speciﬁc policy. Product availability may vary by state. FSL is located in Kansas City, Missouri, and has been rated “A” (Excellent) based on an analysis of financial position and operating performance by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access www.ambest.com.

Neither Reserve National Insurance Company, FSL, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.

The MedMutual Protect voluntary insurance products, either alone or in combination with each other, are not “minimum essential coverage” under the federal Affordable Care Act.

IMPORTANT: If an individual is insured under one or more MedMutual Protect voluntary insurance products and is also covered by Medicaid or a state variation of Medicaid, most non-disability benefits are automatically assigned according to state regulations. This means that instead of paying the benefits to the insured individual, we must pay the benefits to Medicaid or the medical provider to reduce the charges billed to Medicaid. Proposed insureds should consider their circumstances before enrolling in MedMutual Protect coverage.

If you are an employer offering one or more of these insurance products to your employees, the product(s) may constitute a part of an employee benefit plan under the Employee Retirement Income Security Act of 1974 (“ERISA”). An employer offering an ERISA employee benefit plan will be responsible for a number of obligations applicable under ERISA, including, without limitation, the obligation to make required disclosures to employees and file reports with the federal government. MedMutual Protect acts solely as the issuer and underwriter of these insurance products and as such, neither MedMutual Protect nor any of its affiliates or agents assume any fiduciary or administrative responsibility or duties with respect to any employee benefit plan under which the products are made available. You should consult with an experienced attorney concerning the requirements for compliance with ERISA.