Short-term disability source list

Aflac 706-660-7008 www.aflac.com Short-term disability source list Short-Term Disability Five Voluntary, employee paid short-term disability. Working a full-time job of 30 hours or more and earn a minimum of $12,000 annually. Available to applicants of ages 18-64. Depending on the benefit period, up to $5,000 per month. Depending on the benefit period, 0/7 to 180/180 24 months Depending on the benefit period, up to $5,000. AIG Employee Benefit Solutions 877-672-1647 www.aigebs.com AIG Group Short-Term Disability Insurance except Hawaii 2 lives Both employer-funded and employee-paid plans are available. Employees must be actively at work 30 or more hours per week. Eligible groups may qualify for up to $2,000 of weekly disability income benefits subject to the lesser of the industry maximum or an average of the top five salaries. 0, 7, 14 or 29 days for injury; 7, 14 or 29 days for sickness. Up to 52 weeks depending on plan specifics. Up to $2,000 per week (maximum may vary based on the specifics of the group) ied National 888-767-7133 www.alliednational.com ied Life and Disability 2 Employer Paid, Minimum 25% of the employees cost. 30 hours per week, appearing on the state quarterly tax and wage report. 60% of salary to $1,000 1-8 or 8-8 13 or 26 weeks 1000 per week state Workplace Division 888-694-3275 www.allstateatwork.com Paycheck Protector None (5 policies when payroll deducted) Voluntary Actively at work. Ages 18-69 most states. Simplified issue health, income, occupation. No medical or blood tests. Up to 60% of income or up to $5,000/month. Contingent Guaranteed Issue for 50 employees or more. 12 mo pre-ex. Maximum takes other DI coverage amounts into consideration. Minimum $400/month. Minimum annual income $8,000. 0/7, 7/7, 0.14, 14/14, 30/30, 90/90, 180/180 Can vary by state 24 months $5,000/month or 60% of income, most states American Fidelity Assurance Co. 877-967-5748 www.afadvantage.com Paycheck Protector except New York North Dakota 5 Acceptable Applications (Trust Issue) or 25 Eligible Lives (Direct Issue) Voluntary. Active, full-time employees working a minimum of 25 hours per week. Guarantee Issue of up to $3,000 in monthly benefit is available if participation requirements are met. 7/7 up to 30/30. 2 years. 60% of salary, exclusive of bonus and/or overtime earnings, up to a maximum of $7,500. BenefitsSellingMag.com July 2008 Benefits Selling 73

American Public Life 800-256-6736 ext 203 www.ampublic.com G111 Alabama, Arizona, Arkansas, Colorado, Delaware, Georgia, Indiana, Iowa, Kansas, Kentucky, Louisiana, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina Tennessee, Texas, Virginia, West Virginia and Wisconsin 10 Voluntary Fuill time employee GI $3.000 per month. Simplified issue to $6,000 per month 0-7 to 30-30 24 months $6,000 American Sentinel 800-692-7338 www.americansentinel.cc Individual Short-term Disability Delaware, Illinois, Indiana, Iowa, Louisiana, Maryland, Missouri, Nevada, New York, Ohio, Pennsylvania, South Carolina and West Virginia 1 Voluntary, i s individual STD that pays in addition to workers Ccomp or Social Security. One page application No income documentation No Physical Medically underwrite Up to $1,500 a month tax fress 0-15 - 30-30-60-60 1 Year $1,500 a month Assurant Employee Benefits 816-474-2345 www.assurantemployeebenefits.com Assurant Employee Benefits offers several group short-term disability products. 10 lives Assurant Employee Benefits offers both voluntary and employer-paid group shortterm disability coverage. However, voluntary STD is not available in New York. vary from group to group, as Assurant Employee Benefits allows the employer/policyholder to determine these. Coverage amounts vary based on coverage elected. Most amounts are available on a guaranteed issue basis for timely applicants. The elimination period varies according to policyholder choice 7 days and 14 days are standard. The maximum benefit period varies according to policyholder choice 13 and 26 weeks are standard. The maximum monthly benefit varies based on policyholder choice -- $1,000 per week is standard. Brokers National Life Assurance Co. 800-798-1125 www.bnlac.com Group Short Term Disability Insurance except California, Connecticut, Hawaii, Kentucky, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Rhode Island, Vermont, Virginia, Washington, Washington, D.C., and Wisconsin Three Voluntary Full-time employees working a minimum of 30 hours a week. Up to $500 weekly benefit n/a 12 months About $2,000 month 74 Benefits Selling July 2008 BenefitsSellingMag.com

Combined Insurance 866-857-2317 www.combinedinsurance.com Companion Life 800-753-0404 www.companionlife.com Conseco 800-266-6002 www.partnerwith.com/worksite/ Continental American 800433-3036 www.caicworksite.com Disability Insurance Resource Center 800-551-6211 www.di-resource-center.com Disability Income except New Hampshire 1 Voluntary--employee paid. Policies are individually underwritten. Issue ages 18-63 Min. income requirement: $12,000 ($14,000 in NY, NJ, RI, HI and WV) Must be actively at work on date of enrollment Must work full time and employed with same employer for at least 6 months $500 to $5000 per month (up to 60%) of salary (accident/sickness) 0/7,7/7,14/14,30/30, 90/90, 180/180 days (VA & VT do not allow 180 day elim periods) Base policy: 12 months; extended benefits rider for additional 1 or 4 years 60% of salary up to $5,000; in CA up to 20% of salary Short Term Disability Except California Connecticut, Hawaii, New Jersey and New York 2 for employer-paid STD, 3 for Voluntary STD Companion Life offers employer-paid and Voluntary STD plans Full-time employees working 30 hours a week are eligible. Employer-paid: maximum benefit and GI - 60% of earnings to $750/week for groups of 2-9 with no pre-ex. Higher amounts available to groups of 10 +. Voluntary STD: Maximum benefit and GI - 66 2/3% to a maximum of $750/week. First day accident, eigth day sickness. Other elimination periods are available. 13, 26 and 52 week benefit periods available We express the maximum benefit as a weekly benefit, not monthly. Conseco Wage Guard except California, Connecticut, Florida, Maryland, Minnesota, Montana, Nevada, New Jersey, New York, North Dakota, South Dakota and Vermont 25% of eligible employees or six lives, whichever is greater Voluntary, but employer can pay all or part of the coverage Employees must be full-time W2 employees; work a minimum of 30 hours per week; work and reside in the U.S. and meet all the eligibility guidelines defined by the employer Benefits amounts up to $1,700 per week (subject to maximum benefit percentages and plan design) Multiple options available Two years $7,500 Group Short Term Disability except California, Michigan, Minnesota, New Hampshire and New York 25 This coverage is voluntary Employees working 30 hours or more per week, who have completed at least one month of continuous employment. Coverage amounts are based on salary. Employee may apply for up to 50% of salary. Can be customized 24 months $3,000 Varies 1 Either $20K year earnings Full underwriting up to $10k/month 15/30/60/90 5 years $10K 76 Benefits Selling July 2008 BenefitsSellingMag.com

Fort Dearborn Life 800-331-0512 www.fdl-life.com Guardian Life 800-356-5808 www.guardianlife.com Harbor Insurance Marketing 866-424-2167 www.harborins.com Group Short Term Disability 2 Available as either voluntary or employer paid active at work employees working at least 20 hours per week. 60% of weekly salary Varies, based on customer need 52 weeks Standard maximum weekly benefit is $1,500; customized programs are available AbilityGuard 2 We offer both. 30 hour, full-time up to $3,000/week GI Variew from 0-29 days again varies, usually 13 or 26 weeks $13,000 Short Term Disability Income Plus except Massachusetts 5 The product is voluntary and can be employee or employer paid. The product is on a list bill and the premium can be deducted from the employees paycheck or the employer can pay for the premium. The employee must be working full-time at least 30 hours per week, and must have been full-time for the last 90 continuous days (new employees 30 days) with the current employer. $300 - $5,000 per month with maximum benefit of 60% of income. For Accident: 0, 7, 14, 30, 60, 90 or 180 consecutive days. Possible combinations: 0/7, 7/7, 0/14, 14/14, 30/30, 60/60, 90/90 or 180/180 24 months $5,000 per month up to 60% of income Harleysville Life 800-222-1981 www.harleysvillelife.com Group short-term disability Alabama, Arizona, Arkansas, Delaware, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Minnesota, Nebraska, New Hampshire, New Mexico, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, D.C., West Virginia and Wisconsin 2 Coverage offered on an employer-paid or employee-paid basis. For all qualifying industries, full-time employee working 30 or more hours per week are eligible for short-term disability benefits. Plan benefits up to 70% of weekly salary to a maximum of $1,500/week. 0-7 26 weeks $500 - $1,500 depending on size of group HeathPlan Services 800-545-6441 www.healthplan.com Short Term Disability 2 Plus Lives We offer both Voluntary and Employer paid Depending on the Nature of business, minimum time in business must be 2 + Years. Evidence of insurability is required for all late entrants The carrier absorbs medical Underwriting for timely entrants only 0,7,14 or 29 for Injury, 7,14, or 29 sickness 13, 26 or 52 weeks. Upto $2000 depending on the Er contribution and Industry. 78 Benefits Selling July 2008 BenefitsSellingMag.com

Illinois Mutual Life 800-437-7355, Ext 782 www.illinoismutual.com Voluntary Short Term Disability except Alaska, Hawaii, Montana, New Hampshire, New York, Utah, Vermont and Washington, D.C. 20 eligible employee Coverage is voluntary payroll deducted are determined on a case by case basis depending on the type of industry $400 to a maximum of 60% of gross monthly salary not to exceed $5,000 range from 0/7 to 180/180 5 years $5,000 Kansas City Life Group Benefits 877-266-6767 ext. 8200 www.kclgroupbenefits.com Short Term Disability except California, New Jersey, New York and Vermont 2 We offer both voluntary and employer paid options. Employees must be actively working full-time, minimum of 30 hours per week. Generally, the entire benefit amount is guaranteed issue. Various 52 weeks Determined by the top three salaries.

Mutual Of Omaha 800-689-6109 www.mutualofomaha.com Group Short Term Disability 10 Insured Lives Funding options include Employer Paid, Premium Cost sharing, and Voluntary Short Term Disability. Active Full-Time employees working a minimum of 30 hours per week. Schedules of coverage between 40% and 70% of insurable Weekly Earnings. Voluntary STD insures up to 60% of Weekly Earnings. From 3 days to 30 days. First Day Hospitalization available. Up to 52 weeks. Up to $3,500 weekly benefit maximum for qualifying groups. Mutual of Omaha 800-689-6109 www.mutualofomaha.com National Benefit Consultants Inc. 480-940-0070 www.nbcbenefits.com Petersen International Underwriters 800-345-8816 www.piu.org Group Master Policy Form 7000GM-E2 10 Employer-paid premium cost sharing and voluntary coverage available Varies by group size and industry; options available Varies by group size and plan; multiple options available Varies by plan; multiple options available Varies by plan; multiple options available Varies by plan; multiple options available Short-Term Disability Income 100 Voluntary coverage Ages 18-60+ 60% of income up to $6,000 per month. Various options: 0/7, 7/7, 14/14, 30.30 6 months $6,000+ High Limit Disability 1 May be purchased individually or by the employer Medically and financially insurable 65% of income up to $100,000 per month. 30, 60, 90 days 60 months $100,000 Principal Life 800-786-4461 www.principal.com Group Voluntary Short Term Disability Insurance Greater of 10 enrolled lives or 25% participation Voluntary. 100% employee paid. Employer sponsored plan that requires an employee-employer relationship and a waiting period before and employee is eligible for coverage and an weekly hourly work requirement to become and remain eligible for coverage. Medical evidence is not required. s available between 8 and 90 days, with 8 days being standard. Options are available from four to 52 weeks, with 26 being standard. $6,000 82 Benefits Selling July 2008 BenefitsSellingMag.com

Principal Life 800-786-4461 www.prinicpal.com Group Short Term Disability Three lives is multi-product or five lives is standalone coverage or contributory. If coverage is provided on a contributory basis, a minimum of 50% employee participation is required. This coverage is available as non-contributory or contributory. Employer sponsored plan that requires an employee-employer relationship and generally a waiting period before and employee is eligible for coverage and an weekly hourly work requirement to become and remain eligible for coverage. Medical evidence is not required. s available between 1 and 90 days, with 8 days being standard. First day injury and hospitalization is also available. Options are available from four to 52 weeks, with 26 being standard. $10,000 Prudential of America, The 800 FIND PRU www.prudential.com Disability Absence & Productivity 25 Prudential's STD plan may be Voluntary, Basic, or shared contributions between the employer and employee. Unable to perform the material and substantial duties of your regular occupation due to sickness or injury and are under the regular care of a doctor and have a 20% or more loss in your weekly earnings due to that sickness or injury. The elimination period may be flexible depending on each employer's needs. The standard elimination period options are 7 and 14 days with benefits beginning on the 8th or 15th day of disability. The maximum benefit period may be flexible depending on each employer's needs. The standard maximum benefit period options are 13 and 26 weeks. Average monthly benefit amount may be flexible depending on each employer's needs. The overall maximum available is $3,500 per month.

Reliance Standard Life 800-351-7500 www.reliancestandard.com Short-term disability source list Short Term Disability 2 lives We offer STD as a small-gropu employer-paid coverage (2-19 lives), and an employer-paid or voluntary coverage on group 10 lives and up. Standard - Each active, full-time employee, working company-required hours per week, except on a temporary or seasonal basis Either a benefit percentage of (employer paid - max 70%; union - 60%, employee paid - 60%) or a scheduled flat dollar amount not to exceed the above percentages 1-30 days (standard - 1st day injury; 8th day sickness) 13, 26, 52 weeks $2309 per week; $750 for 100% employee pd Shenandoah Life 800-848-5433 ext. 4449 www.shenlife.com StarProtect Alabama, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, D.C., West Virginia and Wisconsin 2 We have both voluntary and employer-paid Small Group: 2-9 True Group: 10 + Voluntary: 2 + Guarantee Issue - Flat Amounts or 50-70 percent plans. 0-60 Days 8-52 Weeks $1,000 Small Group Solutions Inc. 800-201-0275 www.sgscenter.com Group 2-9, guaranteed issue w/pre-x benefit 2 with or a class carve out option of 2 employees. Employer can pay all, part of or none of the premium so benefits can be received income tax free by the employee. Minimun of 2 employees working 30 or more hours per week. Over 90% of the industries can purchase. Guaranteed issue at 2, requires no underwriting, for benefits of 70% of salary upto $1,000 per week. Choices of 13 or 26 week benefits. 0 day accident / 7 day sickness. Choice of a 13 weeks & 26 week benefit. $1,000 per week Standard 800-633-8575 www.standard.com Short Term Disability Insurance except New York 2 Coverage is available on both a voluntary and employer-paid basis. Work at least 30 hours per week and must meet the eligibility waiting period. Coverage amounts vary and can be customized to meet the needs of the customer. The dlimination period can be customized to meet the needs of the customer. The maximum benefit period can be customized to meet the needs of the customer. $5,000 BenefitsSellingMag.com July 2008 Benefits Selling 85

Standard Life Insurance Co. of New York, The 800-633-8575 www.standard-ny.com Short Term Disability Insurance New York 10 STD coverage is available on either a voluntary or employer-paid basis. Work for at least 30 hours per week and must meet the eligibility waiting period. Coverage amounts can be customized to meet the needs of the customer. The elimination period can be customized to meet the needs of the customer. The maximum benefit period can be customized to meet the needs of the customer. $5,000 Starmark 800-522-1246 www.starmarkinc.com Sun Life Financial Employee Benefits Group 866-539-7678 www.sunlife-usa.com 3 Short-Term Disability Plans Alabama, Alaska, Arizona, Arkansas, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, D.C., West Virginia, Wisconsin and Wyoming Two The employer contributes. Unable, due to sickness or injury, to do the substantial and material duties of the regular job; not doing any other work for wage or profit. Short-term disability benefits are payable as a percentage of salary from the following options: 50 percent, 55 percent, 60 percent or 66 percent. Plan 1: 7-day elimination period, Plan 2: 14-day elimination period, Plan 3: 28-day elimination period Plan 1: 26 weeks, Plan 2: 52 weeks, Plan 3: 130 weeks The minimum weekly benefit is $35 and can be increased in $50 increments to a maximum weekly benefit of $700. Short Term Disability 2 lives Both voluntary and employer-paid plans are available. Full-time employees working at least 30 hours per week, however can cover any type of employee working any number of hours. Generally, all coverage is issued on a guarantee issue basis. Varies based on policyholder request and underwriting guidelines. We generally will do 0/3 (accident/sickness) up to 90/90 (accident/sickness). varies based on policyholder request and underwriting guidelines. We generally do between 1 week and 104 weeks. STD is paid weekly, therefore all our plans are set up with weekly maximum benefits. These can range from $50 to $5,000 (or higher) depending upon policyholder request and underwriting guidelines. Sun Life Financial Professional Insurance Co. 860-737-1492 www.ebg.sunlife.com Disability Income except Alaska, Delaware, Maine, Minnesota, New Jersey, New York, Rhode Island and Vermont Two Coverage can be either voluntary, employer-paid, or a mixture of both. Guarantee Issue is available for 10 lives or 30% of the eligible group, whichever is greater. Individuals must be at work for the past 30 days and work at least 27 hours per week. Benefit amounts of up to $5,000 a month are available. Typically, coverage cannot exceed 60% of income. Ranges from 0/0 to 365/365 2 Years $5,000 86 Benefits Selling July 2008 BenefitsSellingMag.com

Symetra Life Insurance Co. 800-SYMETRA www.symetra.com Short-term disability source list Group Short-Term Disability Income Insurance except California, Indiana, Maryland, New York and North Carolina 10 or more enrolled lives We offer both employer-paid and voluntary options. These are determined by the employer. Employer-contribution STD: Up to 70 percent of pre-disability earnings. Voluntary STD: Up to 60 percent of pre-disability earnings Employer-contribution STD: If disability is due to an injury or sickness, it is the latter of 14 days, the date salary continuation ends or the date accumulated sick leave ends. Employer-contribution STD: Up to 26 weeks; Voluntary: Up to 52 weeks Up to $4,000 ($1,000 per week), reduced by other income benefits. Amounts above this will be subject to underwriting considerations. Transamerica Worksite Marketing 800-400-3042 www.transamericaworksite.com TransDI Plus except California and Minnesota 5 applications Voluntary or employer-paid premiums available There must be at least 5 issuable TransDI Plus employee applications (or the state minimum, if greater) to establish a group. Underwriting Limits: Guaranteed Issue maximum amounts up to $1,500 Conditional Guaranteed Issue maximum amounts up to $2,000 Simplified Issue maximum amounts up to $5,000 Available elimination periods: 0/7, 7/7, 0/14, 14/14, 30/30, 60/60, 90/90 and 180/180. Available benefit periods: 3, 6, 12 or 24 months Availalbe monthly benefits: $300 to $5,000 Trustmark Voluntary Benefit Solutions 800-840-4692 www.trustmarksolutions.com Trustmark Group Short Term Disability 100 lives Trustmark's Group Short Term Disability is a voluntary, employee-paid, payroll deducted benefit. Trustmark's Standard Eligibility: Active full-time employees, age 17-67, on the job 90 days. Trustmarks Group Short Term Disability offers Guarantee Issue or Modified Guarantee Issue. Guarantee Issue: $100 to $750 per week Modified Guarantee Issue: $100 to $1,350 per week. Elimination Periods range from 0/7 to 365/365 Maximum Benefit Period options of 13 to 104 weeks or 3, 6, 12 or 24 months. The maximum monthly benefit amount is $6,000. BenefitsSellingMag.com July 2008 Benefits Selling 89

Trustmark Voluntary Benefit Solutions 800-840-4692 www.trustmarksolutions.com Trustmark Disability Income 100 Trustmark's Disability Income is 100% voluntary. Full-time and part-time employees, age 17 to 67, employed for at least 90 days prior to the application date and actively at work on the effective date. Guaranteed Issue or Modified Issue underwriting. Guaranteed Issue: $300 to $3,000/month; Modified Issue: $300 to $6,000 per month Elimination Periods range from 0/7 to 365/365 Maximum Benefit Period options of 3, 6, 12 and 24 months The maximum monthly benefit amount is $6,000. Unum 877-322-7222 www.unum.com Group Short Term Disability except Rhode Island 2 Non-contributory, contributory and voluntary Work at least 30 hours per week for employer who sponsors STD coverage (other hours acceptable to 17.5 min) Up to $2500 per week (varies by plan design and industry) 1-30 days 52 weeks Up to $10,000 per month (Group STD benefits paid on a weekly basis) Unum 877-322-7222 www.unum.com Individual short term disability 10 Voluntary Employee age 17-69; actively at work at least 20 hours per week at time of app. Non-Occ: GI= up to 50% to max of $5,000; SI= up to 60% to max of $5,000. 24 Hour: GI= up to 40% to max of $5,000; SI= up to 60% to max of $5,000. Varies depending on benefit period. Separate EPs for accident and sickenss. Range from 0-180 days. 60 months 60% of gross monthly salary not to exceed $5,000 90 Benefits Selling July 2008 BenefitsSellingMag.com