What Are Great West Life ADA Plans?
Great West Life's ADA (Affordable Disability Assistance) plans provide short‑term disability insurance for employees of partner companies. The program offers a monthly benefit equal to a percentage of the employee's base salary, subject to a maximum payout cap. Plans typically cover up to 26 weeks of disability and are designed to bridge the gap between lost income and employer‑provided benefits.
More from this site
Keep reading the latest coverage
Eligibility and Enrollment Criteria
Eligibility is limited to full‑time employees who meet the following conditions:
- Have completed a minimum of 30 days of continuous employment.
- Maintain a base salary that falls within the plan's defined range.
- Have no pre‑existing condition exclusions that prevent coverage.
Enrollment occurs during the company's open‑enrollment period or upon hiring, with a 30‑day waiting period before benefits commence.
Benefit Structure and Limits
The plan pays 60% of the employee's base salary, up to a cap of $3,000 per month. The benefit is paid for a maximum of 26 weeks, after which the employee must seek long‑term disability or other support. A 10% reduction applies if the employee has a high‑risk job classification.
Claims Process and Documentation
To file a claim, employees must submit a medical certification from a licensed provider, a completed claim form, and proof of employment. The insurer reviews the claim within 14 business days and issues payments directly to the employee's bank account. Employees can track claim status through the Great West Life portal.
Comparing Great West Life to Competitors
| Attribute | Great West Life | Competitor A | Competitor B |
|---|---|---|---|
| Benefit Rate | 60% | 55% | 65% |
| Maximum Monthly Payout | $3,000 | $2,500 | $3,500 |
| Coverage Duration | 26 weeks | 24 weeks | 28 weeks |
| Waiting Period | 30 days | 45 days | 30 days |
How to Apply and What to Expect
Employees should:
- Verify eligibility through HR.
- Complete the online enrollment form during the open‑enrollment window.
- Submit required medical documentation within 10 days of filing a claim.
After enrollment, the plan is automatically activated, and benefits begin after the waiting period. Employees receive a monthly statement and can adjust coverage levels if company policy allows.