Short-Term and Long-Term Disability
These plans can pay a percentage of your income for the time you are unable to work because of illness or injury.
Short-Term Disability (STD)
- STD coverage is provided to you at no cost.
- If your disability requires additional time away from work, at no cost to you, this coverage
- A cash benefit of 60% of your weekly salary (up to $1,250) when you are out of work for up to 13 weeks due to injury, illness, surgery, or recovery from childbirth.
- Benefits begin after a 14-day waiting period for disability due to injury or sickness.
Long-Term Disability (LTD)
- LTD coverage is provided to you at no cost. If your disability requires additional time away from work, at no cost to you, this coverage:
- A cash benefit of 60% of your monthly salary (up to $20,000) starting after the end of your short-term disability or a period of 90 days of disability, whichever is greater, and continues up to the maximum benefit period, Social Security Normal Retirement Age.
- The guaranteed issue amount is $10,000.
- Benefits begin after a 90-day waiting period for disability due to accident or illness.
- Includes pre-existing condition exclusions for disabilities beginning within 12 months of coverage effective date.
