With short- and long-term disability income insurance from AIG Employee Benefit Solutions®, your clients can help employees protect their greatest asset: their ability to work and earn income.
AIG Group Short-Term Disability Insurance
AIG Group Long-Term Disability Insurance
AIG DisabilityCare® Insurance
AIG FMLA Administration Program
New York Disability Benefits Law (NY DBL) Group Insurance Plan
New Jersey Temporary Disability Benefits (NJTDB) Group Insurance Plan
Employee Assistance Program (EAP)
AIG Group Short-Term Disability Insurance
We all expect to miss the occasional day or two of work because of illness or injury. But sometimes health issues can lead to extended leaves of absence and even lost income. That’s why short-term disability insurance is more than just a good idea—it’s a necessity.
- Offered on both employer-funded and employee-paid platforms
- Flexible plan designs to meet a variety of needs—choice of elimination and benefit duration periods
- Waives disability premiums during any covered disability
- Return-to-work incentives to assist employees transition to the workplace
- Advice to Pay (ATP) services available—flexibility to meet a variety of payroll needs
View the AIG Group STD Specification Sheet.
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AIG Group Long-Term Disability Insurance
If an employee is unable to work due to illness or injury for an extended period of time, the resulting loss of income can create considerable financial challenges for his or her family. Long-term disability insurance helps employees protect that asset should a disability prevent them from working.
- Offered on both employer-funded and employee-paid platforms
- Flexible plan designs to meet a variety of employer and employee needs
- Seamless waiver of life premium claim workflow (disability and life clients)
- Employee Assistance Program (EAP) with Work/Life resource and referral services (options vary by group)
View the AIG Group LTD Specification Sheet.
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AIG DisabilityCare® Insurance
AIG DisabilityCare insurance can help replace lost income if a disability ever prevents an employee from working. The policy provides a regular benefit for short-term total disabilities caused by both accidents and illness—with the option of 24-hour or off-the-job-only coverage.
- Portable coverage that employees can keep even if they change employers
- No premiums are due as long as the insured is receiving disability benefits
- Monthly benefits ranging from $500 to $5,000
- Benefit periods of 3, 6, 12 and 24 months
- Elimination periods of 7, 14, 30, 90 and 180 days
View the AIG DisabilityCare Specification Sheet.
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AIG FMLA Administration Program
The AIG FMLA Administration program can ease some of the burdens of rising administrative costs, lost productivity, heightened exposure to legal expenditures and complicated state-specific leaves. Let key employees focus on their major job responsibilities and let AIG Employee Benefit Solutions take on the accountability of managing the FMLA process.
- In-house administration through our disability claims center—expertise all in one location
- Seamless integration between disability and FMLA absence management
- Single-source intake of absence notification
- All state and federal regulations embedded in the system ensures you remain compliant with FMLA laws
- Generation of all required documents and forms
View the AIG FMLA Administration Program Specification Sheet.
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Statutory disability benefit plans available:
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Employee Assistance Program (EAP)
Sometimes the challenges of life on or off the job lead to stress or interrupt your sense of well being. Having a place to turn to for guidance, information and resources can really make a difference. An EAP can help employers reduce absenteeism, increase productivity, and improve stability by helping employees balance their personal and professional lives.
- Telephonic EAP with online Work/Life services included with all employer-funded, 10-plus LTD plans (additional buy-up options available)
- Around the clock, confidential counseling for employees and family members
- Work/life resource and referral services, including child and elder care, adoption resources, health and wellness, daily living needs and much more
- Myriad of online services, such as articles, checklists, and locators to assist with everyday needs
- Legal and financial services with a 30-minute free consultation and 25 percent off providers’ fees thereafter
- EAP Counselors follow up with all members to ensure satisfaction
View the Employee Assistance Program (EAP) Brochure.
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