Disability Coverage

Disability insurance can keep you financially stable should you become disabled and unable to work. It can help provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.

In the Hospital Mother Hold Newborn Baby, Supportive Father Lovingly Hugging Baby and Wife. Happy Family in the Modern Delivery Ward.

Short-Term Disability (STD)

Coverage is automatic for full-time regular employees; the company pays

You are eligible to receive STD benefits after you have been disabled for seven days due to a non-work-related illness or injury, or pregnancy.
Replaces up to 60% of your eligible income, up to a maximum of $1,500 per week.
Benefits end after 12 weeks.

Long-Term Disability (LTD)

Coverage is automatic for full-time regular employees; the company pays

You are eligible to receive LTD benefits after 90 days of disability
Replaces up to 60% of your eligible income, up to a maximum of $10,000 per month until you recover or reach your Social Security Normal Retirement Age, whichever is sooner.

How STD and LTD Work Together

PTO pays 100% of your pay until STD begins.

After X days of sickness or injury, approved STD pays a portion of your income.

After x weeks LTD begins if approved.