Voluntary Long Term Disability and Short Term Disability

Disability insurance keeps you and your family financially protected if you become unable to work due to an illness or injury.

Voluntary Short-Term Disability

Administered by Dearborn Life / BlueCross BlueShield of Texas Ancillary

Nation’s Best Holdings, LLC. offers all full-time employees the option to purchase short-term disability (STD) insurance through BlueCross BlueShield of Texas. STD insurance is designed to help you meet your financial needs if you become unable to work due to an illness or injury. Benefits will be reduced by other income, including state- mandated STD plans.

  • Benefit: 60% of weekly earnings up to $1,500 per week
  • Elimination period: 0 days for injury, 7 days for illness
  • Benefit duration: Earlier of 13 weeks or until LTD period begins

STD Maternity Benefits

STD insurance can cover a portion of your income while on paid or unpaid maternity leave. You must apply for STD benefits prior to giving birth to qualify. Please view the official plan documents for varying coverage based on birth circumstances. Benefits will be reduced by other income, including state-mandated STD plans.

Voluntary Long-Term Disability

Administered by Dearborn Life / BlueCross BlueShield of Texas Ancillary

Nation’s Best Holdings, LLC. offers all full-time employees the option to purchase long-term disability (LTD) insurance through BlueCross BlueShield of Texas. LTD insurance is designed to help you meet your financial needs if your disability extends beyond the STD period.

  • Benefit: 60% of basic monthly earnings up to $6,000 per month
  • Elimination period: 90 consecutive days of disability
  • Benefit duration: 24 months with loss of duties and earnings, then Social Security normal retirement age

Disability insurance is an important part of your benefits coverage. You may use disability benefits to pay for your necessary expenses while you are unable to work, such as mortgage payments, medical expenses, childcare, and more. If you are enrolled and become unable to work due to an accident, illness, injury, or pregnancy, you must apply for benefits as soon as you are able after your event. Please notify the BlueCross BlueShield of Texas as soon as possible to ensure you qualify for coverage and receive timely payouts.

Voluntary Long Term Disability and Short Term Disability
    Add a header to begin generating the table of contents
    Resources
    • STD rate grid - Nations Best Holdings
    • STD summary - Nations Best Holdings
    • LTD summary - Nations Best Holdings
    • LTD rate grid - Nations Best Holdings
    OPEN ENROLLMENT FOR 2024-2025 BENEFITS BEGINS ON 1/29 AND ENDS ON 2/15.
    You have three ways to enroll!
    1. Call 866-430-3009 Monday - Friday from 7 a.m. to 7 p.m. CST during your enrollment eligibility period. Benefits counselors are ready to assist you.
    2. Schedule an appointment below with a benefits counselor during the enrollment period.
    3. Self-enroll by registering as a New User here: https://workforcenow.adp.com