Transmitted via SERFF are copies of the above-referenced forms for your review and approval. The Rate Manual and Actuarial Memorandum are submitted for approval. The Rate Filling is in
connection to SERFF Form Filing DSBL-129253190, lead form number KB-ESDI-POL-1301-DC.
This policy provides weekly short term disability income benefits for disability due to accident or sickness. Two coverage options are available: Non-Occupation Accident and Sickness, which pays for losses due to off-the-job accident or sickness only, or 24 Hour Accident and Sickness which pays a 50% benefit for losses due to on-the-job accident or sickness. All bracketed material in the policy as well as other variables including issue ages, benefit amounts, coverage options, benefit periods, and elimination periods, are explained in the Variability Statement included as part of this submission. The prospective policyholder can select from the various benefit options to put together a Group Short Term Disability Insurance Policy that fits the needs of their employees or members.
To the best of our knowledge, this filing is complete and intended to comply with the insurance laws of your state. If you have any questions which can be resolved over the telephone, please feel free to contact me at (860) 761-1875.