Disability

Disability insurance can keep you financially stable should you become disabled and unable to work. It can help provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.

Short-Term Disability (STD)

  • You are eligible to receive STD benefits after you have been disabled for seven days due to a non–work–related illness or injury.
  • Replaces up to 60% of your eligible income, up to a maximum of $1,357 per week.
  • Benefits end after 11 weeks

Long-Term Disability (LTD)

  • You are eligible to receive LTD benefits after 90 days of disability
  • Replaces up to 66 2/3% of your eligible income, up to a maximum of $10,000 per month until you recover or reach your Social Security Normal Retirement Age, whichever is sooner.