• Short-Term Disability - (ALSTDP-05, or state variations) Group members receive income protection for non-worksite-related events, such as an accident, illness or pregnancy. Benefits and duration vary. Short-term disability is available as either contributory or non-contributory.
• Long-Term Disability - (ALSTDP-05, or state variations) When a group member has a non-work-related illness or injury, long-term disability benefits are important to both member and client protection. Benefits and duration can be tailored to client needs. Long-term disability is available as either contributory or noncontributory.

       Not available in all states.