NY Office - 516-352-7000

NJ Office - 973-257-5558



6/18/12  - Disability coverage is one of the most important, but often overlooked, employee benefits. It protects one of employees’ most valuable assets — the ability to continue to earn an income if they become too sick or injured to work. At Principal Life Insurance Company, we believe all employees should have some level of disability coverage. For that reason, we offer Basic Short-Term Disability (STD)
coverage in addition to our standard STD product.

Available as employer-paid or voluntary, Basic STD is easy to understand, affordable and can provide Basic STD is NOT meant to replace standard short-term disability product.  It is meant to offer clients who
don’t currently include disability in their benefit package the opportunity to do so at an affordable price with an easy-to-understand product.

Product specifics:

  • Only date of birth and gender are needed to quote
  • No salary or occupations are required
  • Great for cross sales at renewal
  • Available in employer-paid or voluntary options
  • Multiple Product Discount (MPD) qualifier - both employer-paid and voluntary
  • MPD discountable - only employer-paid, not voluntary
  • Can provide meaningful income replacement
  • Cannot be sold with Principal Life new or existing LTD or STD
  • Cannot be sold in CA, HI, NJ, RI