Disability Insurance
An unexpected injury or illness can create a financial burden. Disability insurance replaces a portion on your income when you are unable to work.
Important: Disability benefits are reduced by other income you receive, such as Social Security, state disability benefits, pension benefits, and Workersโ Compensation.
Short Term Disability
Short Term Disability (STD) insurance provides a portion of your weekly income for a non-work-related short-term injury or illness. You automatically receive Short Term Disability coverage at no cost to you.
Long Term Disability
When your STD benefits end and you are still injured or ill and unable to work, LTD insurance takes over. You will receive a portion of your monthly income for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever comes first. You automatically receive LTD coverage at no cost to you.
Qualifying Disability: A sickness or injury that causes you to be unable to perform any other work for which you are or could be qualified by education, training or experience
Benefit Duration: Maximum amount of time you may receive proceeds for a continuous disability
Elimination or Waiting Period: The time you must wait before you are eligible to receive benefit payments
How to file STD claim
