Group Disability Insurance from LibertyMutualGroup.com

Group disability insurance is received through the employer and provides a benefit to replace a portion of an insured employee’s income lost during a disabling sickness or injury. There are two main types of group disability insurance--short-term disability and long-term disability:

Short-Term Disability (STD): Provides benefits for shorter durations, up to 13 or 26 weeks.
Long-Term Disability (LTD): Provides benefits for longer periods, generally up to age 65 or normal retirement age.

Disability can happen to anyone, at any age, and in any occupation. Please access the following resources to learn more about how disability insurance received through work helps employees and employers.

New! Resources for Working Moms:

Article Icon Checklist: Preparing for Maternity Leave

Checklist: Getting Back to Work After Maternity Leave

Read the press release: "Liberty Mutual Survey of Working Mothers Highlights Disability Insurance's Key Role in Supporting Families."

Additional Links:

Baby Zone

Parenting.com

American Pregnancy Association

Pregnancy Today

Pregnancy-Info.net

Department of Labor: Family and Medical Leave Act

Disability Resources:

	Case Studies: Real life examples showing that disability can happen to anyone; the protection provided by disability insurance; and the benefits for employers in helping disabled employees return to work.
	Article: IBI Research Insights: A Pain in the Low Back, by Dr. Thomas Parry, Integrated Benefits Institute, features research conducted by Dr. William Shaw and Dr. Glenn Pransky, Liberty Mutual's Research Institute for Safety.
	Statistics: Features statistics and facts about disability and its effect on both employees and their employers.
	Calculator: What’s your PDQ? Use this tool to determine your Personal Disability Quotient, which calculates your chance of becoming disabled and not being able to work.

Return to Work Resources:

	Article: Return to Work--a Workplace Tool Whose Time Has Arrived, Kevin Krzeminski, Liberty Mutual, featured in HRE Executive magazine.
	Podcast: Return to Work Programs: Tools and Tactics, featuring Paula Anzavoorian-Barry, Liberty Mutual.
	On-demand Webinar: The Golden Carrot: Uncovering the Key Competencies of Return to Work Coordinators, featuring Dr. Glenn Pransky, Liberty Mutual Research Institute and Mr. Barry Niman, University of California, San Diego
	Podcast: Effective Return to Work Coordinators, featuring Dr. Glenn Pransky.
	Article: Effective Return to Work Coordinators, Dr. Glenn Pransky, featured in DMEC's @work publication.

ADA Amendment Act Resources:

Podcast Icon Podcast: Back to Basics: An Update on Changes to the Americans with Disabilities Act, features Linda Carter Batiste, Job Accommodation Network

Article Icon Article: ADA Amendments Act Fact Sheet, which details the changes to the ADA and provides an action plan for employers

Additional Liberty Mutual Resouces:
Whitepapers on absence management, IDM, and FMLA best practices as discussed during Leadership Series events jointly sponsored by Liberty Mutual and the Disability Management Employer Coalition.

Through laboratory and field-based investigations and global research collaborations, the Liberty Mutual Research Institute for Safety seeks to advance scientific, business-relevant knowledge in workplace and highway safety, and work disability.

Additional Information:
Americans with Disabilities Act
DisabilityInfo.gov

Social Security Administration

Integrated Benefits Institute (IBI)

Disability Management Employer Coalition (DMEC)
Council for Disability Awareness
American Heart Association
American Cancer Association
Job Accommodation Network (JAN)
Equal Employment Opportunity Commission (EEOC)
US Department of Labor

Group Disability

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