Give your employees the option to purchase coverage based on their budget and personal needs. In addition, when employees pay the premiums themselves, they generally receive their benefits tax-free.1


  • Employees age 17 to 64
  • Spouses and children not eligible

Employer’s choice of coverage options:

  • 24-Hour
  • Off-the-Job Only


1Employer-paid coverages generally are taxable.
2Not all benefit periods are available in all states.
3In selecting coverage amounts, employees should review their other disability coverages, which may lessen amounts employees receive under any other in force disability income coverage.

Policy Form WSD07, Voluntary Short Term Disability Income Policy

Not available in AK, CA, DC, HI or NY. Coverage and availability may vary in other states.

For costs and details of coverage, limitations, exclusions and terms, contact your Illinois Mutual agent or Illinois Mutual.

Benefit Periods2:

  • Range from 3 months to 60 months
  • Employers may elect to offer their employees multiple options for benefit periods
  • These policies generally contain waiting periods before benefits are payable

Guaranteed Renewable to age 72

Benefit Amounts:

  • Employees can select a monthly benefit amount to meet their financial needs3
  • Monthly benefit amounts are available in $100 increments ranging from a minimum of $400 to a maximum of $5,000
  • In no case can Illinois Mutual monthly benefit coverage amount exceed 60% of gross salary