How to get a Disability Quote

What does it take to get a quote for STD and/or LTD?

1. Please review the enclosed 2008-2009 ERMC Long Term and Short Term Disability plan options and rates. There are two STD and six LTD options available (page 2 of the Participating Client Application attached).


2. Choose the plan option(s) that best meet your needs. You may choose both an STD and LTD plan or select each individually as stand alone programs (STD only or LTD only).


3. Provide census information that lists each of your full time employees (all that are on payroll regularly working 30+ hours) and their estimated annual gross salary which is defined as:

   • Salary

   • Shift differential pay

   • Commissions averaged over the preceding 12 month period or over the period of employment if less than 12 months.

   • Employee contribution made through a salary reduction agreement with the employer to an Internal Revenue Code (IRC) Section 401(k), 403(b), 408 (p), or 457 deferred compensation arrangement or an executive, nonqualified deferred compensation arrangement.

   • Amounts contributed to fringe benefits according to salary reduction agreements under IRC Section 125 plans

The definition of pre-disability earnings generally excludes bonuses, overtime or any extra compensation.

Important Notes:

• If you are already a client of Employers Resources, we can gather this Step 3 information for you. Simply call Employers Resources at 866-214-9506 to request a quote.
• If you are a new client simply contact your Client Service Coordinator or call Employers Resource Department at 866-214-9506 for assistance with the above steps.
• Premium for coverage will be collected one month in advance and invoiced to you, the client, at the end of each month. (Note: When someone is out collecting STD, premium continues for STD and LTD if applicable. However, once someone is out collecting a LTD benefit, all premiums for that person cease).
4. Once your information is received and the quote is completed, you will be contacted and asked to complete the Client Participation Agreement. You will also be provided information to distribute to your employees explaining the STD/LTD program(s) you elected to offer to them.

Should any questions arise, please contact the Benefits Department at Employers Resource toll-free at 866-214-9506.