Disability Benefits
Short-Term Disability insurance is “paycheck” protection and pays a percentage of your salary if you become temporarily disabled for a period of weeks. Common short-term disability claims include injury, pregnancy and minor surgeries.
Please note:
All three forms (Employee, Employer, and Physician) are required for STD and LTD claims except in the case of a STD standard pregnancy claim (then the Physician form is not required).
Benefits |
|
|---|---|
Benefit Amount |
60% of Base Weekly Earnings |
Benefit Maximum |
$1,500 per Week |
Benefit Duration |
13 Weeks |
Elimination Period |
1 Day Due to Accident; 8 Days Due to Sickness |
Bi-Weekly Rate |
|---|
All employees pay $4.62 bi-weekly toward Short-Term Disability coverage. |
EMPLOYER PAID
Long-Term Disability insurance protects your ability to earn a paycheck. It pays a percentage of your salary if you become unable to work for a long period of time, months or even years. Common long-term disability claims include musculoskeletal disorders, cancer or serious illness and mental health issues.
Please note:
All three forms (Employee, Employer, and Physician) are required for STD and LTD claims except in the case of a STD standard pregnancy claim (then the Physician form is not required).
Benefits |
|
|---|---|
Benefit Amount |
60% of Pre-Disability |
Benefit Maximum |
$10,000 Per Month |
Benefit Duration |
Determined by Age at Onset of Disability |
Elimination Period |
90 Days |