Disability Insurance Through Work

Helping to protect your income when you can’t work

Disability insurance plans help you when you can't work for weeks or months at a time due to an injury, pregnancy or illness. Just as medical coverage helps to pay doctor and hospital bills, disability coverage helps protect your income for housing, food and other needs.

Start date

You must miss a certain number of work days before disability pay starts. This is called an “elimination period” or a "waiting period." Employees usually take these missed days as paid sick time or vacation. Your employer's benefits administrator can help you determine when your disability coverage begins.

Benefit amount

Your disability benefit is usually a percentage of your income. Your employer’s benefits administrator can give you details.

Returning to work

We want to help you get back to work as soon as you can. If you need special devices or training to perform your job again, we can assign a case manager and a rehabilitation consultant to ease your transition back into the workplace.

Easily manage your disability coverage online with the WorkAbility® Absence Management System

  • When you’re out on disability, our online system lets you:
  • View copies of disability claims letters and pay stubs
  • Download forms
  • Submit questions
  • Manage direct deposit of your disability benefit
  • Report a return to work or leave extension

Next step

Talk to your benefits administrator to find out which Aetna disability insurance plans and services are available to you. 

Disability insurance plans/policies are offered and/or underwritten by Aetna Life Insurance Company (Aetna).

This material is for information only and is not an offer or invitation to contract. Not all disability services are covered. See plan documents for a complete description of the benefits, exclusions, limitations and conditions or coverage. Plan features and availability may vary by location and are subject to change.

Disability insurance plans/policies contain exclusions and limitations. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to www.aetna.com.

Policy forms issued in Oklahoma include: GR-9/GR-9N and/or GR29/GR-29N.


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