What You Need to Know

If you can’t work due to an illness or injury, it pays to be prepared—literally! Disability insurance replaces a portion of your annual salary so you can focus on recovery without the financial stress. To qualify, proof of your disability will be required by Cigna, the disability insurer.

Short-Term Disability Insurance

Short-term disability (STD) replaces your income for up to 26 weeks if you’re unable to work due to a non-work-related illness or injury, or for pregnancy. You’re enrolled automatically in Company-paid STD.

Your STD benefit is 67% of your weekly salary, to a maximum of $1,500 per week. Benefits are based on a maximum covered annual salary of $117,000.

You’ll receive the above benefit, or the benefit required by law, whichever is greater. STD benefits will be reduced if you also are eligible for Workers’ Compensation. To receive STD benefits, you must provide medical documentation proving your disability.

Benefit waiting period

STD benefits start on the first day of absence due to accident and the eighth day due to illness.

To avoid a lapse in income, you can use paid-time off, such as sick days, personal days, or vacation days, during your benefit waiting period.

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The Family Medical Leave Act (FMLA) protects your job for up to 12 weeks in certain situations.

Human Resources can help!

Long-Term Disability Insurance

Long-term disability (LTD) replaces a percentage of your annual salary if you’re still unable to return to work after your STD benefits end. Your LTD coverage will stay in effect until you turn age 62.

You’re enrolled automatically in Company-paid LTD, which replaces 67% of your monthly salary, to a maximum of $10,000 per month. Benefits are based on a maximum covered annual salary of $180,000.

You’ll receive the above benefit, or the benefit required by law, whichever is greater. LTD benefits will be reduced if you also are eligible for Workers’ Compensation or other disability income, such as a pension or Social Security. To receive LTD benefits, you must provide medical documentation proving your disability.

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