Short-Term Disability

Short-Term Disability

Help employees get back on their feet—and back to work.

An expectant mother with her child.

Principal uses the “own job” definition of disability—not occupation.

Our flexible, unbundled product offers numerous benefit designs with a variety of elimination periods, benefit percentages, maximums, and benefit durations—able to fit clients of any size, with any budget. Coverage includes benefits for total and partial disabilities, and provisions to encourage employees to return to work. STD coverage provides weekly income to employees who are unable to work.

Watch this producer webinar (19:15) to learn more about short-term disability, long-term disability, and Guaranteed Standard Issue with individual Disability Income insurance.

Minimum case size
  • Employer-paid: 2 enrolled employees if sold with another coverage, or 5 employees if sold standalone
  • Voluntary: 5 eligible employees
  • Self-funded: 100 enrolled employees and at least one insured coverage
Participation requirements
  •  Employer-paid: 100% for non-contributory, or 50% for contributory or 2 enrolled employees (whichever is greater)
  •  Voluntary: 20% or 5 enrolled employees (whichever is greater)
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Group disability marketing guide

Comprehensive overview of short-term and long-term disability products.

View guide
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STD overview

Details of the coverage including policy provisions.

View product overview
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Incremental benefits

View the pre-set dollar amounts and see examples.

Get information
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Employee assistance program

Compares the Core and Premier EAP programs.

Learn about differences

Working with Principal®

Principal is proud to be part of the local community. Being in your market allows us to understand your market’s specific needs, create solutions to help solve your challenges, and develop close relationships.

Contact your local sales representative

Important information

This is an overview of the benefits of short-term disability insurance, but there are limitations and exclusions.