States West Life offers life insurance, dependent life, short-term disability (STD) and long-term disability (LTD) for employers with 2 - 24 employees. Since the "true group" products begin at 10 employees, the small group program is used most commonly for groups of 2 - 9 employees.
States West Life does not charge a monthly billing or administrative fee. Minimum monthly premium is only $15 total for a combined package of Small Group Life/AD&D, Dependent Life and Short-term Disability. Long-term Disability requires a separate premium.

• Flat Amount ($10,000 to $50,000 benefit per Employee)
• Percent of Earnings (1x Annual Salary to $50,000 maximum per Employee)
• Graded Benefits by class of employee




Plan 1:	Officers/Partners/Owners	$	50,000
	Managers/Supervisors	$	25,000
	All Other Employees	$	10,000
Plan 2:	Officers/Partners/Owners	$	25,000
	Managers/Supervisors	$	15,000
	All Other Employees	$	10,000




• Evidence of Insurability Requirements




2 to 9 employees	Amounts in excess of $15,000
10 to 15 employees	Amounts in excess of $25,000
15+ employees	Fully Guaranteed

• Spouse ($2000), Children less than 6 months ($100), Children 6 months to age 19 ($1000)
• Dependent life rate is $1.00 per dependent unit
• Group Life must be selected for this benefit to be offered

• Flat Amount ($100 - $400 maximum weekly benefit not to exceed 66 2/3% of Basic Weekly Earnings)
• Percent of Earnings (60% of basic weekly income to maximum of $400 benefit)
• Graded Benefits by class of employee




Plan 1:	Officers/Partners/Owners	$	400
	Managers/Supervisors	$	250
	All Other Employees	$	100
Plan 2:	Officers/Partners/Owners	$	250
	Managers/Supervisors	$	150
	All Other Employees	$	100




• Maximum Benefit Period of 13 or 26 weeks
• Benefits are payable on the first day of total disability for an accident or eighth day for a sickness
• Evidence of Insurability Requirements




2 to 9 employees	Amounts in excess of $100
10 to 15 employees	Amounts in excess of $250
15+ employees	Fully Guaranteed




• Group Life must be selected for this benefit to be offered

• 50% and 60% of Pre-Disability Earnings benefit
• Standard monthly maximum benefit is $6,000 (Limited & Restricted Industries are limited to $3,000)
• Elimination Period of 30, 60, 90 or 180 days (Limited & Restricted Industries are limited to 90 or 180)
• Maximum Benefit Period – To Age 65 (RBD), 2 year/RBD, 3 year/RBD, 5 year/RBD
• Definition of Disability includes 24-month regular occupation and any gainful occupation thereafter
• 12/6/24 Pre-Existing Condition Exclusion
• LTD coverage is guaranteed issue at 6 employees
• Coverage available to restricted and limited industries allow States West Life to offer LTD coverage to nearly every employer
• LTD coverage can be offered as a stand-alone benefit and in carve-out settings
• No monthly billing or administrative charge and minimum monthly premium is only $50