Traditional Group Coverage

Traditional Long Term Disability
This employer-sponsored insurance is designed to protect an employee's income against prolonged disabilities. It features flexible elimination and benefit periods, a zero-day residual, a return-to-work benefit, a flexible own-occupation definition, claims support services, a Social Security assistance program and the option of Internet service. This product also offers flexible, efficient administration support options, including eBill, ePay, summary billing and list billing. 

Traditional Short Term Disability
This stand-alone employer-sponsored insurance is designed as income protection to insure disabilities for up to 104 weeks. With a flexible plan design, our short-term disability product includes early claims intervention, partial disability and the option of Internet service. This product also offers flexible, efficient administration support options, including eBill, ePay, summary billing and list billing. 

Individual Disability Income Insurance

Disability Income Insurance
AUL offers a wide variety of disability income individual policies through its national agreement with Illinois Mutual Insurance Company. We can help you design an income-protection solution for your specific needs. 

Voluntary Group Coverage

Voluntary Disability
With a flexible plan design option that includes short-, medium- and long-term coverage, our voluntary disability product is available with guaranteed issue, the ability to offer multiple plans, personalized enrollment materials, enrollment support and the option of Internet service. This product also offers flexible, efficient administration support options, including eBill, ePay, summary billing and list billing.

Cost-Shared Coverage

CorePLUS Disability
Available to employers with 50 or more employees, CorePLUS provides a cost-shared approach to disability coverage. It includes basic and enhanced protection options, integrated claims management, premium billing statements that include both employer and employee premium amounts, and the option of Internet service. This product also offers flexible, efficient administration support options, including eBill, ePay, summary billing and list billing.