Your ability to bring home a paycheck is one of your most valuable assets. 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
A very real concern among people who work for a living is the need to protect their income during periods of disability. Short-Term Disability (STD) Insurance helps to safeguard your income in the event that you experience a prolonged sickness or injury. This insurance coverage is available to benefit-eligible employees only. Employees pay the full cost with after-tax premiums for this benefit. There is a 7-day elimination period for illness and a 14-day elimination period for injury, and you must deplete your accrued sick time (SCK) before STD payments go into effect.
Long-Term Disability Insurance
What if you have an extended illness and can’t work? How would the mortgage or other debts get paid? How would you take care of your family? In fact, you are more likely to become disabled during your working career than to die. That’s why we offer you Long-Term Disability (LTD) coverage. Monthly LTD benefits are paid after you’ve been certified as partially or totally disabled and unable to work for 90 days. Employees pay the full cost with after-tax premiums. The plan works together with other disability benefits that you may receive – such as Social Security, Worker’s Compensation, STD, and/or your sick bank.
Access your plan summary below for the cost of coverage:
