Disability insurance covers a part of your income, so you can pay your bills if you’re injured or sick and can’t work. If you suddenly didn’t receive a paycheck, how would you pay your bills? It’s important to consider that sick and vacation time will only go so far.

Long Term Disability

Monthly Benefit Amount

60% of your monthly earnings to a maximum benefit of $6,000 per month. The monthly benefit may be reduced or offset by other sources of income.

Elimination Period

Your elimination period is 90 days. This is the number of days that must pass after a covered accident or illness before you can begin to receive benefits.

Eligibility

We provide you LTD coverage at no cost to you. You are eligible for LTD benefits after 180 days of employment.

Short Term Disability 

Monthly Benefit Amount

60% of your weekly earnings to a maximum benefit of $2,500 per week. The weekly benefit may be reduced or offset by other sources of income.

Elimination Period

Your elimination period is 15 days. This is the number of days that must pass after a covered accident or illness before you can begin to receive benefits.

Eligibility

We provide you STD coverage at no cost to you. You are eligible for STD benefits after 180 days of employment.