Your ability to bring home a paycheck is your most valuable asset. We help you protect it.
If an injury or illness kept you out of work and prevented you from earning a paycheck, how would you cover your bills and other household expenses? Disability Insurance provides income protection, paying benefits you can use to offset out-of-pocket expenses and make up for lost wages.
Short-Term Disability Insurance
After seven consecutive days of certified disability, employees are eligible to receive Short-Term Disability benefits: 100% of pay for up to 26 weeks.
STD is administered together with an approved leave of absence (FMLA, CFRA, etc.). Benefit amounts include state-mandated benefits, where applicable.
Long-Term Disability Insurance
After 26 weeks of disability, you may be eligible for Long-Term Disability: 60% of your monthly earnings up to a maximum of $15,000/month.
Benefits may end at age 65, or after 24 months for mental and nervous conditions. The benefits are subject to offsets such as Social Security and Workers’ Compensation.
These policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable.
