How are Coronavirus claims considered across the Reliance Standard Product line?

Short Term Disability

If a person is diagnosed with COVID-19, a claim for fully-insured STD benefits would likely be
payable after the elimination period if the definition of disability has been met. Individuals who
are quarantined without a diagnosis would not have a payable claim.

Long Term Disability

If a person is diagnosed with coronavirus, a claim for fully insured LTD would likely be payable after the elimination period if the definition of disability has been met. As with STD, individuals who are quarantined but not sick generally would not have a payable claim.

Group Term Life Insurance

A life claim following a COVID-19 diagnosis would likely be payable assuming all other provisions of the policy are met.

Accidental Death & Dismemberment

A COVID-19 diagnosis is not a covered condition under Reliance Standard’s Accidental Death & Dismemberment product.

Accident Insurance

Accident insurance does not provide benefits for the diagnosis or treatment of COVID-19.

Critical Illness Insurance

COVID-19 is not a covered condition under Reliance Standard’s Critical Illness product.

Hospital Insurance

Admission/confinement due to a positive diagnosis of COVID-19 may be considered for eligible benefits provided all other provisions of the policy are met.

Wellness Benefits

COVID-19 testing is not a covered test under our Wellness Benefit; however, most major medical plans and many government programs provide free COVID-19 testing.

EAP Services

For any individuals experiencing panic, anxiety or fear, or are in need of community resource referrals for child care or life management needs, an EAP provides work-life referrals that can help. This value-added service is optional on Reliance Standard’s LTD and Group Life contracts. Contact Claremont to confirm coverage.

Helpful Resources

Reliance Standard Coronavirus Response page, with links to general FAQs and Dental and Vision FAQs.