Disability programs protect an employee's income, while relieving the employer of any obligation to continue paying wages during a period of disability. The employer's cost is pre-determined, and the insurance company assumes the responsibility for claims determination and financial risk. American Fidelity Assurance Company underwrites both short term and long term disability programs for PAA members. These plans are available as either an employer paid benefit or as a voluntary, employee-pay-all option.
Short Term Disability
Short term disability benefits begin with the first day a covered employee is unable to work due to a non-occupational accident and the eighth consecutive day if due to a non-occupational related sickness, to a maximum of six months.
Long Term Disability
Long term disability coverage allows an employee to safeguard his income if a disability extends over a long period of time.
For more information, call 1-800-222-8712, email PAA Insurance, or contact your Regional Manager.