Disability insurance provides you a portion of your salary if you are out of work due to an injury or illness. To receive benefits, your physician must certify that you need to be out of work. Two forms of disability insurance are offered to our employees:
Weekly Income/Short-term Disability (STD)- Benefits begin after you have been out of work for 7 days and continue through your 90th day out of work, as long as you remain sick or disabled.
Long-term Disability (LTD) - Benefits begin after you have been out of work for 90 days and may continue through the maximum benefit period, as long as you remain sick or disabled.
Once you have been out of work for the period specified above, you begin to receive benefits in the amount of 60 percent of your gross salary, not to exceed plan maximums. These benefit payments are not subject to any taxes. However, LTD benefits may be affected by payments received from other sources.
For further information, a summary plan description, or to verify your participation in the plan(s), please contact the HR Office.
Last updated September 15, 2011