Disability Benefits
Short-Term Disability insurance is “paycheck” protection and pays a percentage of your salary if you become temporarily disabled for a period of weeks. Common short-term disability claims include injury, pregnancy and minor surgeries.
Benefits |
High Plan |
Low Plan |
|---|---|---|
Benefit Percentage of weekly income |
60% |
60% |
Elimination Period |
injury: 0 days |
7 days |
Benefit Duration |
Up to 13 weeks |
Up to 12 weeks |
Maximum Weekly Benefit |
$1,500 |
$1,500 |
Pre-Existing Conditions |
Yes |
Yes |
Maternity Benefit |
Up to 13 weeks |
Up to 12 weeks |
Rates per $10 covered weekly benefit |
||
|---|---|---|
Age |
High Plan |
Low Plan |
Less than 25 |
$0.540 |
$0.367 |
25-29 |
$0.813 |
$0.565 |
30-34 |
$0.880 |
$0.609 |
35-39 |
$0.688 |
$0.472 |
40-44 |
$0.539 |
$0.535 |
45-49 |
$0.528 |
$0.347 |
50-54 |
$0.649 |
$0.432 |
55-59 |
$0.749 |
$0.503 |
60-64 |
$0.925 |
$0.635 |
65+ |
$0.97 |
$0.746 |
Long-Term Disability insurance protects your ability to earn a paycheck. It pays a percentage of your salary if you become unable to work for a long period of time, months or even years. Common long-term disability claims include musculoskeletal disorders, cancer or serious illness and mental health issues.
Benefits |
|
|---|---|
Monthly Benefit Amount |
Office: 60% of predisability monthly income |
Elimination Period |
90 days |
Benefit Duration |
SSNRA (Social Security Normal Retirement Age) or schedule in cert |
Maximum Monthly Benefit |
$6,000 |