Who pays for this coverage?Is Maternity Leave covered?What percent of my earnings will I receive?
Plan Options: Short-term and Long-term Disability Insurance
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 14th 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 24 weeks.
Maximum Weekly Benefit: $1,500
This benefit is provided through UNUM and you pay 100% of the premium. See our Online Enrollment system for Voluntary Short-term Disability Insurance rates.
Long-term Disability (Base Plan)
Benefits Begin: There is a waiting period (elimination period) before benefits are payable. Benefits begin on the 181st day of disability.*
Monthly Benefit: 50% 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: $2,000
This benefit is provided through UNUM and Crumbl pays 100% of the premium.
Voluntary Long-term Disability (Buy-Up Plan)
If you wish to elect additional coverage above the base plan amount that Crumbl provides for you, you may elect the Buy-up plan.
Benefits Begin: There is a waiting period (elimination period) before
benefits are payable. Benefits begin on the 181st 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: $5,000
This benefit is provided through UNUM and you pay 100% of the premium. See our Online Enrollment system for the Voluntary Long-term Disability Buy-Up Plan rates.
* Pre-existing Condition Limits: Coverage is excluded for disabilities that occurred during the 3 months prior to coverage, beginning through the first 12 months of coverage. Pre-existing conditions include bodily injury, sickness, mental illness, pregnancy, and substance abuse UNUM reserves the right to review medical records up to 3 months prior to your effective date to evaluate pre-existing conditions upon filing a claim.
This information is designed to help you choose a benefit plan for 2023-2024 only. Please refer to the Plan Documents provided by the carrier for information regarding coverage, limitations, and exclusions. If there is a difference between this guide and the Plan Documents, the Plan Documents prevail.
