Small businesses, big ideas

The Standard Select line of small group insurance products helps business owners with as few as two employees provide valuable group Life, Disability, and Dental insurance coverage. With these insurance options from The Standard, a small business can fulfill many of its employee benefits needs with just one company.

• The Standard Select^SM Group Life Insurance offers employers the opportunity to help protect employees and their families from financial hardship in the event of death. Each group Life insurance policy includes Accidental Death and Dismemberment (AD&D) coverage and the option for Dependents Life coverage.
• The Standard Select^SM Group Short Term Disability (STD) Insurance offers an attractive way for employers to supplement their sick leave program. The STD benefit is 60 percent of predisability earnings, reduced by deductible income. The Standard Select STD plan is not available in states with statutory disability laws.
• The Standard Select^SM Group Long Term Disability (LTD) Insurance plans provide a monthly benefit to eligible employees who are partially or totally disabled due to a covered physical disease, injury, pregnancy or mental disorder. The LTD benefits range from 50 to 66 2/3 percent of predisability earnings (based on industry and number of eligible employees), reduced by deductible income.
• The Standard Select^SM Group Dental Insurance provides employers with a choice of plan designs that enables them to find the right mix of dental benefits and costs for its employees. Under each plan design, dental procedures are classified as Type 1 (preventive), Type 2 (basic) or Type 3 (major) with coverage and reimbursement levels set accordingly.

Each of the The Standard Select offerings is available as stand-alone coverage or as part of a more complete benefits package. In addition, contributory Life, STD and Dental plans are available for businesses that want to share the cost of coverage with employees. LTD is available only on an employer-paid basis.

Simple, Time-Saving Administration

Among many plan highlights, The Standard Select gives customers the ability to streamline benefits administration and save valuable time with AdminEASE^SM, The Standard's Web-based service. Using this easy, online tool, administrators can pay premiums online, add or change employee coverage, file claims and monitor status, and perform many other functions.

To learn more about The Standard Select line of small group insurance products, contact your insurance advisor or the Employee Benefits Sales and Service Office for your area at 800.633.8575.