Long and Short Term Disability

Long Term Disability (LTD) coverage helps you maintain a monthly income if you are sick or injured and can't work. This benefit begins on the day following 180 days of an approved disability and pays 60% of your monthly earnings, up to a maximum monthly benefit of $15,000 per month. 6% Employer contribution continues while on LTD. More Info

Short Term Disability (STD) coverage helps you maintain a weekly income if you are sick or injured and can’t work for a short time. The plan replaces 60% of your weekly base salary for the first 180 days of an illness or injury.

Employees may elect a 15, 21, 30 or 60 day elimination period. Short Term Disability employee contributions are based on the waiting period you choose and are taken out on an after-tax basis. More Info