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Professional Insurance Programs

Worksite Short Term Disability

Worksite Short Term Disability

Professional Insurance Programs, a division of WDA Insurance & Services Corp, and Illinois Mutual have teamed up to provide this exclusive program to Wisconsin dentists and staff. Illinois Mutual is a “best in class” regional carrier known for its customer service and understanding of the types of coverage today’s dental team members are looking for.

Most people rely on their income to pay for their day-to-day expenses. Short term disability insurance helps prepare for the unexpected by providing a monthly monetary benefit intended to help replace up to 60%* of a person’s income during their benefit period if total disability due to illness or injury prevents them from working.

Eligibility and Coverage

  • Employees age 17 to 64
  • Spouses and children not eligible
  • Employer may offer 24-hour or off-the-job only coverage

Individual short term disability insurance provides employees with:

  • Easy enrollment
  • Guaranteed issue
  • Affordable coverage
  • Convenient Electronic Funds Transfer (EFT)
  • Immediate coverage when EFT begins
  • Coverage for maternity after 12 months
  • Portable coverage, the policyowner owns, and can continue even if they leave their job
  • Benefits are paid directly to the policyowner and are not reduced regardless of Social Security, workers’ compensation or employer paid time off**

Coverage is guaranteed renewable until age 72, regardless of illness/injury, as long as premium payments are made when due.

For more information or if you would like to enroll, our benefits advisors are available to help you. They can be reached at 800-637-4676 or info@profinsprog.com.

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*For 1099 contract workers, we replace up to 40% of the individual’s gross salary.
**In selecting coverage amounts, employees should review their other disability coverages, which may offset amounts employees receive under individual disability income policies.
Policy Form WSD07, Voluntary Short Term Disability Income Policy; Policy Form WD13 in GA, MD and SC.
Not available in AK, CA, DC, HI, MT, NH, NJ, NY or VT. Coverage and availability may vary in other states.
For policy costs and details of coverage, limitations, exclusions and terms, contact your agent or Illinois Mutual. If any discrepancies exist between this communication and the policy, the terms of the policy will control.
Illinois Mutual, its agents and representatives may not give legal or tax advice. An independent tax advisor should be consulted regarding individual circumstances.