I have been a client of SOMI for almost 14 years. During that time, I never failed to be impressed with their resourcefulness and ability to help us solve what seemed to be intractable problems. Their service orientation is unsurpassed.
 Vice President of Human Resources & Administration

Short-Term Disability

There are many reasons a company may determine that it makes sense to self-fund its short-term disability plan.  When compared to traditional fully-insured plans, self-funded programs can offer several advantages including:

  • Control over schedule of benefit
  • Capability to coordinate benefit payout through your payroll
  • Reduced fixed expenses
  • Custom reporting
  • Improved claims management and control


By buying long term disability insurance with a six month elimination period and self funding for the first six months, you can save thousands of dollars in premiums during that first six months.  The money saved in premiums then establishes the fund for short term disability claims now paid directly by you.

In a self-funded plan, the schedule of benefits is entirely flexible according to your specification.  Funding levels or target rates are determined to fund the claims and administrative costs of the plan.