Short-Term and Long-Term Disability
Disability insurance coverage is designed to provide financial security during a time of non-work related injury or illness. These benefits provide a partial source of income to help you maintain your household expenses while you are out.
Short-Term Disability (STD) helps to provide partial pay during the first 3 months of your sickness or non-work injury. This is a company paid benefit and available to all full-time benefit eligible employees.
Disability Coverage | Short-Term Disability |
Pre-Existing Coverage | None |
Maternity Benefit | 2 weeks pre-partum 6 weeks post-partum (vaginal delivery) 8 weeks post-partum (C-section delivery) |
Waiting Period | Begins on the 8th day of continuous injury or illness |
Benefit Amount | 60% of weekly earnings |
Maximum Benefit | $1,000 per week |
Length of Payment Period | 12 weeks |
Premium Contribution | Company paid |
Long-Term Disability (LTD) provides a partial salary replacement for eligible full-time employees who are absent from work for an extended period of time due to a qualified illness or non-work related injury. This benefit begins after Short-Term Disability is exhausted.
Disability Coverage | Long-Term Disability |
Pre-Existing Coverage | 3/12 |
Maternity Benefit | Applicable if complications arise from recovery |
Waiting Period | Begins on the 91st day of continuous injury or illness |
Benefit Amount | 60% of monthly earnings |
Maximum Benefit | $10,000 per month |
Length of Payment Period | SSNRA |
Premium Contribution | Company paid |