Disability Insurance helps replace a portion of your income if you become ill or injured, on or off the job, and can't work. It also pays benefits if you return to work but are unable to make your full, pre-disability income. SecureCare provides flexible disability solutions with employer-paid and voluntary options.
How long could you afford to be without a paycheck? That's a question every working person should consider. Short Term Disability Insurance is an affordable way to ensure that if employees are sick or injured and are unable to work, employees have a consistent source of income, and just as important – peace of mind. Coverage can be either voluntary or employer sponsored.
Long Term Disability is designed to protect an employee’s income if they are out of work for an extended period due to a more serious injury or illness. Although every story is unique, all of us have experienced the stress and uncertainty of the recent past in some way. We have been faced with challenges we never expected or planned for. One thing is clear, however, there is a renewed focus on the need for income protection that can be provided through long disability insurance.
The Employee Assistance Program is included at no additional cost when a group enrolls on one Employer sponsored Life or Disability product and one other Life or Disability product. This benefit provides completely confidential access to counseling and rehabilitative services at no cost to the employee.
Studies show that most working adults have no savings set aside for emergencies* and missing just one week of pay could cause a setback**. While many believe that sick leave and vacation time can be used to cover expenses during a disability, the fact is 3 in 10 people with disabling illnesses or injuries are out of work for three months or more, and the benefits from sick leave and vacation time usually run out in a matter of weeks.***
*Council for Disability Awareness. Dec. 2011
**American Payroll Association, "Getting Paid in America" Survey, 2014
***LIMRA 2015 Disability Awareness Month Fact Sheet.
****American Payroll Association, "Getting Paid in America" Survey, 2014
*****Council for Disability Awareness. Dec. 2015.
******Report on the Economic Well-Being of U.S. House holds in 2015. May 2016
Dental and Vision Insurance Underwritten by American National Life Insurance Company of Texas Galveston, Texas.
Life, Short Term Disability and Accident Insurance Underwritten by Standard Life and Accident Insurance Company Galveston, Texas.
Life, Short Term Disability and Long Term Disability Insurance Underwritten by American United Life Insurance Company (AUL) A OneAmerica company
SecureOne Plan is not insurance and is, therefore, not underwritten by or associated with American National Life Insurance Company of Texas, Standard Life & Insurance Company or American United Life Insurance Company (AUL) A OneAmerica Company,
nor is it a part of the SecureCare Group Insurance plan.
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