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Short-Term Disability

Short Term Disability


Short-term Disability insurance is designed to help protect your income if you’re hurt or sick and can’t work. It’s:

  • A percentage of your income every week.
  • A way to help pay the bills.
  • The support to help you get back on your feet and back to work safely.
  • Affordable group rates with convenient payroll deductions.
Consider these facts:
  • Health insurance only covers medical bills. It won’t pay for groceries or monthly living expenses.
  • Workers’ Compensation kicks in only in the event of a work-related accident or injury.
  • Long-Term Disability kicks in only after a 90-day waiting period.
How much coverage am I able to purchase?

60% of your pre-disability earnings up to a maximum of $1,000 per week

Who’s eligible?

All active full-time employees who works at least 30 hours per week on a regularly scheduled basis.

When can I elect my coverage?

During initial benefit election, during annual enrollment, or within 30 days of a family status change.

Guaranteed issue

This insurance is guaranteed issue coverage. It is available without having to provide information about your health.

How long before I receive benefits?

On the 15th day of your disability.

When will my benefits end?

After 13 weeks of not being able to work in your own occupation.

What about pre-existing conditions?

Must be treatment-free for 3 consecutive months before the date your plan begins. After your plan has been in effect for 12 months, no limitations on pre-existing conditions.