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Principal uses the “own job” definition of disability—not occupation.

Our flexible, unbundled product offers numerous benefit designs with a variety of elimination periods, benefit percentages, maximums, and benefit durations—able to fit clients of any size, with any budget. Coverage includes benefits for total and partial disabilities, and provisions to encourage employees to return to work. STD coverage provides weekly income to employees who are unable to work.

Check out the current approved states for the new STD annual open enrollment experience (additional states are in the process of being approved).