Disability Benefits
Short-Term Disability insurance is “paycheck” protection that pays a percentage of your salary if you become temporarily disabled for a period of weeks. Common short-term disability claims include injury, pregnancy and minor surgeries.
Benefits |
|
|---|---|
Benefit Maximum |
Up to 12 weeks |
Waiting Period |
Accident: 8th day |
Benefit Amount |
60% of predisability weekly earnings up to $1,500 |
Rate per $10 of weekly benefit |
$0.46 |
Long-Term Disability insurance protects your ability to earn a paycheck and is a 100% employer-paid benefit. It pays a percentage of your salary if you become unable to work for a long period of time, months or even years. Common long-term disability claims include musculoskeletal disorders, cancer or serious illness and mental health issues.
Benefits |
|
|---|---|
Elimination Period |
90 days |
Monthly Benefit |
60% of predisability earnings to a maximum of $6,000 |
Minimum Monthly Benefit |
The greater of 15% or $50 of the monthly benefit |
Maximum Benefit Duration |
Later of age 65 or Social Security normal retirement age |