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Disability Insurance
Disability insurance replaces part of lost income when you cannot work due to a covered illness or injury.
Short-Term Disability
| Provided at NO COST to you. | |
|---|---|
| Benefit Percentage | 60% |
| Weekly Benefit Maximum | $2,000 |
| When Benefits Begin | After 7th day of disability |
| Maximum Benefit Duration | 12 weeks |
Benefit Percentage
- 60%
Weekly Benefit Maximum
- $2,000
When Benefits Begin
- After 7th day of disability
Maximum Benefit Duration
- 12 weeks
Long-Term Disability
| Provided at NO COST to you. | |
|---|---|
| Benefit Percentage | 60% |
| Monthly Benefit Maximum | $1,500 |
| When Benefits Begin | After 90th day of disability |
| Maximum Benefit Duration | Social Security Retirement Age |
Benefit Percentage
- 60%
Monthly Benefit Maximum
- $1,500
When Benefits Begin
- After 90th day of disability
Maximum Benefit Duration
- Social Security Retirement Age
Voluntary Buy-Up Long-Term Disability
| Provided at an affordable group rate through Unum | |
|---|---|
| Benefit | 60% |
| Monthly Benefit Maximum | $5,000** |
| When benefit begins | After 90th day of disability |
| When benefit ends | Social Security Retirement Age |
Benefit
- 60%
Monthly Benefit Maximum
- $5,000**
When benefit begins
- After 90th day of disability
When benefit ends
- Social Security Retirement Age
- **Maximum combined LTD benefit available is $5,000 ($1,500 Employer paid, $3,500 Employee paid)