Additional Disability

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Customer Service: 1-800-268-2525

Customer Service: 1-800-633-7490




Benefit Details

If an accident, injury or illness disables you from working, Short-Term Disability provides replacement income of 60% of Actual Earnings from Oct. 1 to Sept. 30 up to a weekly maximum benefit of $1,000.

If approved:

  • Benefits begin after 14 days of continuous disability after the last day worked

  • Alpha contract will be suspended

  • Group benefits will continue through the duration of the short-term disability

If you do not return to work immediately after the approved short-term disability, your Alpha contract will be cancelled.

Maternity Leave

If your leave is due to maternity, you have 31 days from the date of birth to change your benefit elections. Contact the Benefits Department to obtain the necessary enrollment forms.


$4.30 per $100 of covered benefit


Your actual earnings from Oct. 1 through Sept. 30 will be used to determine eligibility. Refer to the chart below for qualification details. If coverage is not elected when you are first eligible, coverage may be elected during a future Annual Enrollment. In this instance, The Hartford requires evidence of insurability.

Years of Service as of Sept. 30 Based on Benefit Effective Date

Actual Earning Qualifier Level

Less than 2 Years


More than 2 Years, less than 3 Years


More than 3 Years



  • Customer Service: 1-800-268-2525

  • Guardian



UNUM Life Insurance

Benefit Details

While WoodmenLife provides long-term disability, you may need to replace a larger portion of your income to maintain the lifestyle you have now. Combined with the provided long-term disability coverage, this supplement will increase your monthly income. It is also an individual policy, so it still belongs to you if you change jobs.

When combined with the LTD monthly benefit, you may receive 75% of actual earnings up to $9,000. Please see your personalized packet for additional details.


A personalized packet will be mailed to your home during Annual Enrollment; this packet will include premium details.

Enrollment and Eligibility

Enroll during Annual Enrollment, November 1-15 for coverage effective January 1.

Available to Representatives who satisfy $60,000 in actual earnings Oct. 1 - Sept. 30.


  • Customer Service: 1-800-633-7490

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Our Mission

Uniting hardworking Americans to secure their financial future while strengthening our communities and country.

The information on this page is a partial description of benefits, limitations, exclusions, and other provisions of the group benefits provided by Woodmen of the World Life Insurance Society (WoodmenLife). If there is a difference between the information in this summary and the plan document for each plan, the plan documents govern. Eligibility requirements apply to each of the benefits offered, criteria may include employment status and/or individual qualifications. For more detailed information, refer to the Summary Plan Description of each plan. WoodmenLife may amend these plans at any time. The description of the plan is not a guarantee of benefits and should not be construed as such.

This is the Life is a registered service mark of Woodmen of the World Life Insurance Society.

This is a solicitation of insurance and an agent/producer may contact you.

WoodmenLife Medicare Supplement plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

NOTE: In some states, Medicare Supplement certificates (all plans in CO) are available to those eligible for Medicare due to a disability, regardless of age.

Securities are offered through Woodmen Financial Services, Inc. (WFS), 1700 Farnam Street, Omaha, NE 68102, member FINRA/SIPC, a wholly owned subsidiary of Woodmen of the World Life Insurance Society (collectively “WoodmenLife”). Securities other than the WoodmenLife Variable Annuity are issued by companies that are not affiliated with WoodmenLife. This material is intended for general use with the public. WFS is not providing investment advice for any individual or any individual situation, and you should not look to this material for any investment advice. WFS has financial interests that are served by the sale of these products or services.

WoodmenLife Extras are available to members. An individual becomes a member by joining our shared commitment to family, community and country, and by purchasing a product. These extras are not contractual, are subject to change and have specific eligibility requirements, such as length of membership, number of qualifying members in household and/or qualifying event.

Check out the background of Woodmen Financial Services, Inc. on FINRA’s BrokerCheck.

Business Continuity Plan | All products may not be available in all states. | Not all Representatives are licensed to sell all products.

A+ Financial Rating

Effective Feb. 1, 2024, WoodmenLife is rated A+ Superior by AM Best for our financial strength and operating performance. For the latest Best’s Credit Rating, access

International Use

This Site is not intended for access outside of the United States, including those individuals who reside in the European Economic Area (“EEA”). WoodmenLife makes no representation that materials on the Site are appropriate or available for use in locations outside of the United States, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access the Site from outside of the United States do so on their own initiative and are responsible for compliance with local laws.

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This company was issued a secure rating by the A.M. Best A+ Superior Company

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WoodmenLife is a proud member of American Fraternal Alliance

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Omaha, Nebraska