Group Disability Income Insurance

Being disabled could involve an illness (such as heart disease, cancer or arthritis) or an injury (such as back sprains, tendonitis, carpal tunnel syndrome and more). In other words, anything that keeps your employees from being able to do the essential duties of their occupations. ING Employee Benefits offers a number of disability products to help employees while they're unable to work. These include:

  • Supplemental Disability Income Insurance
  • Short-Term Disability Income Insurance (STD)
  • Long-Term Disability Income Insurance (LTD)
  • Voluntary Disability Income Insurance

Supplemental Disability Income Insurance

ING Employee Benefits offers a supplemental or buy-up option that gives employees the opportunity to purchase additional coverage.

Short-Term Disability Income Insurance (STD)

If an employee becomes disabled (as defined in the policy) and is unable to work due to illness or injury for a specific period of time, STD coverage provides weekly income benefits after the policy's waiting period. At the same time, we work closely with employees and health care professionals, monitoring recovery and assisting with the transition back to work.

STD can help your employees:

  • Protect income
  • Fill the gap between income and expenses
  • Maintain quality of life

To make claim intake methods easier, we offer a variety of claim submission techniques:

  • Web
  • Paper
  • Telephonic

Telephone Claims Administration

The Disability Income Assistance Line (DIAL) is a three-point program involving you, your employee and the employee's health care provider and is designed to manage short-term disability claims. Disability and clinical case managers' reviews determine work readiness or transfer into long-term disability.

When one of your employees reports a claim to the DIAL toll-free number, a benefit specialist gathers eligibility and occupational information as well as medical information from the health care provider.

We also offer DIAL services in conjunction with FMLA administration. FMLA administration is provided by ComPsych, Chicago IL.

Long-Term Disability Income Insurance (LTD)

A long-term, disabling illness or injury could affect an employee's financial security. LTD coverage protects monthly income benefits if an illness or injury sidelines an employee for a prolonged period of time. Additional benefits include a managed plan that works closely with employees and healthcare professionals during recovery.

LTD can help your employees:

  • Protect income
  • Fill the gap between income and expenses
  • Maintain quality of life

Voluntary Disability Income Insurance

At ING Employee Benefits, our voluntary disability income products are available through the convenience of payroll deduction. This employee-pay-all coverage is designed to help meet individual needs.

Voluntary Short Term Disability (STD): If an employee becomes disabled (as defined in the policy) and is unable to work due to illness or injury for a specific period of time, Voluntary STD coverage provides weekly income benefits after the policy's benefit waiting period has been met. This payroll-deduced coverage is 100% employee-paid.

Voluntary Long Term Disability (LTD): If an illness or injury sidelines a covered person for a prolonged period of time, Voluntary LTD coverage provides monthly income benefits after the policy's benefit waiting period has been met. This payroll-deducted coverage is 100% employee-paid.

Premier Disability Income: To help prepare for an unexpected disability that results in a loss of income, an employee can choose their desired monthly benefit coverage amount, subject to income replacement guidelines. This payroll-deducted coverage is 100% employee-paid.