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 |
|
|---|---|
Coverage Amount |
Choose a weekly benefit amount from $100 to $1000 |
Benefit Waiting Period |
Accident: 7 days |
Maximum Benefit Period |
13 weeks of disability |
Pre-Existing Conditions |
3 months look back |
Rates calculated upon enrollment |
Long-Term Disability insurance protects your ability to earn a paycheck. 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 |
|
|---|---|
Monthly benefit |
60% of monthly earnings to a maximum of $5,000 a month |
Elimination period |
90 days |
Duration of Benefits |
2 Years |
Definition of Disability |
2 year Own Occupation/Any Occupation Thereafter |
Pre-Existing Conditions |
6 months prior, 24 months after |
Rates calculated upon enrollment |
|
Evidence of Insurability required on all late enrollees |