Disability

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.

Short-Term Disability (STD)

In-Network Benefit Highlights

Deductible (Individual/Family)
$XX/$XX

Out-of-Pocket Max (Individual/Family)
$XX/$XX

Preventive Care
$XX

Primary Care Visit
$XX

Specialist Visit
$XX

Urgent Care
$XX

Emergency Room
$XX

Coverage

Disability income protection insurance provides a benefit for short term disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration.

Eligibility

All Active Full-Time Employees earning $100k or less working 30 hours or more per week, except for any person working on a temporary or seasonal basis. 

Benefit Amount

The benefit amount is equal to 60% of your weekly covered earnings, to a maximum benefit of $1,200 per week. 

Day Benefits Begin

Injury (accident) and Sickness (illness): benefits begin on the 8th consecutive day of disability. 

Maximum Benefit Duration

Benefits for one period of disability will be paid up to a maximum of 12 weeks.

Contribution Requirements

Coverage is 100% Employer Paid. 

Features
  • Maternity covered as any other illness
  • Non-occupational coverage
  • Partial Disability
  • Zero Day Residual: You can accumulate time toward the elimination period even while partially disabled
  • Transfer of Coverage provision
  • FMLA Continuation
  • Military Services Leave of Absence Continuation
  • W-2 Services 
Limitations
  • Offsets: Your benefit may be reduced by other income sources such as, but not limited to, Social Security, Workers Compensation, State Disability Plans.

Long-Term Disability (LTD)

In-Network Benefit Highlights

Deductible (Individual/Family)
$XX/$XX

Out-of-Pocket Max (Individual/Family)
$XX/$XX

Preventive Care
$XX

Primary Care Visit
$XX

Specialist Visit
$XX

Urgent Care
$XX

Emergency Room
$XX

Coverage

Disability income protection insurance provides a benefit for long term disability resulting from a covered injury or sickness. Benefits begin at the end of the elimination period and continue while you are disabled up to the maximum benefit duration. 

Eligibility

All Active Full-Time Employees earning more than $100k working 30 hours or more per week, except for any person working on a temporary or seasonal basis. 

Contribution Requirements

Coverage is 100% Employer Paid.

Elimination Period

Benefits begin 90 consecutive days of total disability. 

Benefit Amount

The benefit amount is equal to 60% of your monthly covered earnings, from a minimum of $100, to a maximum benefit of $10,000 per month. 

Maximum Benefit Duration

Benefits will not extend beyond the longer of your Social Security Normal Retirement Age or Duration of Benefits below:

61 or less: To age 65
62: 3 1/2 years
63: 3 years 
64: 2 1/2 years
65: 2 years 
66: 1 3/4 years
67:  1 1/2 years
68: 1 1/4 years
69 or older: 1 year

Features
  • Extended Disability Benefit
  • Military Services Leave of Absence
  • FMLA Continuation
  • Own Occupation Coverage – 24 Months
  • Rehabilitation Provision
  • Residual and Partial Disability
  • Specific Indemnity Benefit
  • Survivor Benefit – 3 months
  • Work Incentive & Child Care Provisions
  • Worksite Modification Benefit
Value Added Services
  • Employee Assistance Program
  • Travel Assistance Services
  • ID Theft Recovery Services
Limitations
  • Pre-Existing Condition Limitation: 3/12
  • Mental & Nervous Limitation – 24 months outpatient
  • Substance Abuse Limitation – 24 months
  • Offsets: your benefit may be reduced by other income sources such as, but not limited to, Social Security, Workers Compensation, State Disability Plans