Short-Term Disability (STD)
STD benefits are designed to provide you with a continuing source of income during short periods of illness or injury. If you are eligible for benefits and are regularly scheduled to work 20 or more hours per week, you are automatically enrolled in the STD benefit at no cost to you. You are eligible for this benefit the first day of the month after completion of any employment probationary period that applies to you.
Note: STD benefits run concurrently with family medical leave (FML) benefits.
Long-Term Disability (LTD)
If you are eligible for benefits, you can enroll in LTD insurance, which is 100% employee paid. This valuable coverage will help you and your family if you are unable to work for an extended time due to a nonwork-related injury or illness. LTD replaces 60% of your monthly base pay, up to a maximum of $10,000 per month, after you have been continuously disabled for 26 weeks.*
Benefits may continue up to normal retirement age or age 65 if the insurance carrier certifies you as disabled.*
If you do not want LTD coverage, you must opt out by logging on to the enrollment site and waiving the benefit.
*Check the Summary Plan Description for details.