Who pays for this coverage?Is Maternity Leave covered?What percent of my earnings will I receive?
Plan Options: Voluntary Short-term Disability and Long-term Disability
Disability insurance can help to replace a portion of your income when you are unable to work. For many people, unplanned time away from work can make it difficult to manage household costs. If you are unable to work due to a covered injury, illness, or even childbirth, Disability Insurance can provide an ongoing benefit to help keep your finances stable.
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Disability Insurance
Voluntary Short-term Disability
Benefits Begin: There is a waiting period before benefits are payable. Benefits begin on the 8th day of injury or illness.
Weekly Benefit: 60% of weekly earnings, not to exceed the plan’s maximum weekly benefit amount less other income sources.
Maximum Benefit Period: Benefits are available for up to 12 weeks.
Maximum Weekly Benefit: $1,000
Pre-existing Condition Limits: Coverage is excluded for disabilities that occurred during the three months prior to coverage beginning throughout the first 12 months of coverage.
This benefit is provided through Guardian and you pay 100% of the premium. See our online enrollment system for Voluntary Short-term Disability Insurance rates.
Long-term Disability
Benefits Begin: There is a waiting period (elimination period) before benefits are payable. Benefits begin on the 91st day of disability.
Monthly Benefit: 60% of monthly earnings, not to exceed the plan’s maximum monthly benefit amount, less other income sources.
Maximum Benefit Period: Social Security Normal Retirement Age
Maximum Monthly Benefit: $6,000
Pre-existing Condition Limits: Coverage is excluded for disabilities that occurred during the three months prior to coverage beginning throughout the first 12 months of coverage.
This benefit is provided through Guardian and SimpleNexus pays 100% of the premium.
