Plan Options: Short-Term Disability, 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.
Notice for Employees in the First Year of Coverage:
If you are in your first year of disability coverage, please be aware that any claim may be denied if the disability is related to a condition for which you received medical advice, care, treatment, or prescription medication during the three months before your coverage began. This rule applies only to disabilities that begin within the first twelve months of your coverage.
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Disability Insurance |
Short-Term Disability
Short-Term Disability (STD) insurance allows you to continue earning a portion of your salary if you are unable to work due to an illness, injury, or maternity leave.
Benefits Begin: There is a waiting period before benefits are payable. Benefits begin on the 8th day for a disability due to an illness or basic maternity leave and on the 1st day for disability due to an injury.
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 13 weeks.
Maximum Weekly Benefit: $1,000
This benefit is provided through UNUM and Aleknagik Natives Limited pays 100% of the premium.
Long-Term Disability
If you are not able to return to work after the Short-Term Disability benefit period ends, you may be eligible for Long-Term Disability, which provides additional salary continuation. Proof of disability is required.
Benefits Begin: There is a waiting period (elimination period) before benefits are payable. Benefits begin on the 91st day of disability or the day that Short-Term Disability ends.
Monthly Benefit: 60% of monthly earnings, not to exceed the plan’s maximum monthly benefit amount, less other income sources.
Maximum Benefit Period: Benefits continue up to Social Security Normal Retirement Age. If you become disabled at age 62 or older, please refer to the policy for your maximum benefit period.
Maximum Monthly Benefit: $6,000
This benefit is provided through UNUM and Aleknagik Natives Limited pays 100% of the premium.
