Disability coverage provides an income replacement benefit in the event you are unable to work due to an illness or accident and become disabled.  Just over 1 in 5 of today's 20 year olds will become disabled before they retire, and over 56 million Americans are classified as disabled (about 19% of the population).  Benefits are available up to age 65 (or normal retirement age) if you remain disabled. 


Important Documents

Short-Term Disability (STD) provides a benefit to replace a portion of your income for a short period of time.  The benefit amount is 60% of your earnings and the benefit duration is 13 weeks.

Long-Term Disability (LTD) pays you an income benefit every month up to age 65 as long as you remain disabled.  The benefit amount for LTD coverage is also 60% of your earnings.


Should you choose not to elect STD and / or LTD coverage as a new hire, underwriting approval and an Evidence of Insurability (EOI) form will be required for future elections. Employee should select Voluntary Short or Long Term Disability when completing the EOI Form.

Pre-Existing Conditions

Pre-Existing Condition Exclusion

The plan pays a limited benefit for disabilities caused by pre-existing conditions during the first 12 months of disability coverage. 

A pre-existing condition is a sickness or physical condition for which you have been diagnosed or treated during the immediate 12 months prior to your coverage effective date.

You may elect up to the maximum benefit as a new hire with no health questions.  New elections will be subject to the pre-existing condition limitation.

Short-Term Disability Summary of Benefits
Benefit Amount 60% of weekly earnings
Maximum Weekly Benefit $500 (tax-free)
Maximum Benefit Period 13 weeks
Benefits Begin 1st day due to injury
8th day due to illness
Long-Term Disability Summary of Benefits
Benefit Amount 60% of monthly earnings
Maximum Weekly Benefit $5,000 (tax-free)
Maximum Benefit Period To age 65 or Social Security
Normal Retirement Age
Benefits Begin 91st day of disability