Allstate Benefits is a leading provider of employee benefits. They are committed to delivering superior products and services with cutting-edge technology, exceptional customer service and compassionate claims administration. With over 40,000 groups in force and insuring more than three million employees, they uphold the GoodHands® promise every day.

Members of your family who are considered eligible to enroll for insurance include:

• You – if you are an active employee 

This is group insurance offered at group rates. Refer to the policy documents for complete details. 

Coverage ends when employment ends.  Short Term Disability is not portable.

Benefits start the first day after the Elimination Period when you are totally disabled and cannot work. You must be an active employee on the date your disability occurs for disability benefits to be payable.

 

The elimination periods are as follows:

• For Accident: 7 days
• For Sickness: 7 days

You choose a monthly benefit up to the guaranteed issue benefit. Please see the additional descriptions below.

• Total Disability Benefit: Allstate Benefits pays the monthly benefit amount after the elimination period if they receive sufficient proof that you are totally disabled. Benefits will not continue beyond the maximum benefit period for total disability.
• Partial Disability Benefit: Allstate Benefits pays 50% of the monthly benefit if they receive sufficient proof that you are partially disabled. Benefits paid under this benefit count towards your maximum benefit period.
• Concurrent Disability: During any period in which you are disabled due to more than one cause, benefits will be paid as if you are disabled due to only one cause. In no event will being disabled due to more than one cause extend the time for which benefits will be paid under the maximum benefit period.
• Recurrent Disability: If you have a recurrent disability, Allstate Benefits will treat the disability as part of the prior claim and another elimination period will not have to be completed if you were continuously insured under the policy for the period between the prior claim and the recurrent disability. Your recurrent disability will be subject to the same terms as your prior claim.

 

For a complete description of this and other requirements that must be met, refer to the Certificate of Insurance or contact Allstate Benefits with any questions.

Benefits are not paid for a disability that starts within 12 months of your effective date from a pre-existing condition.

Your monthly disability benefit may be reduced if you receive disability payments from other deductible sources of income, including individual disability income policies, other group insurance coverage, paid time off, salary continuation, sick leave, or state or federal disability benefits.