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Short-Term Disability - Self-Funded

Self-funded short-term disability (STD) coverage can be constructed a variety of ways. Designs generally include an elimination period, benefit duration, maximum weekly benefit and benefit percentage. Self-funded STD provides a range of services that allows employers to create and fund their own benefit design that is serviced by Principal Life Insurance Company®.  

Two self-funded short-term disability coverages are available:  

  • Standard – Involvement from Principal Life can be limited to advising employers on how to handle claims.
  • Elite – Principal Life is more involved to include handling the appeal process for denied claims and even distributing benefit checks.

2465116-102022 | 10/2022

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