Short-Term Disability Coverage
Short-Term Disability is available to all employees who work 30+ hours a week for a premium of $12 per employee, per month. The benefit includes:
- Weekly benefits for non-occupational illness/injury
- Benefits begin on the 8th calendar day, with a maximum benefit period of 26 weeks
- Benefits are payable on a daily basis at 60% of gross weekly salary
- Additional details, limitations and exclusions can be found in the rider.
Long-Term Disability Coverage
Long-Term Disability (GAP) is available to all employees who work 30+ hours a week for a premium of $0.29 per $100 in salary, per month.
Disability is based on an employee’s complete inability to perform his/her own occupation during the first 24 months of disability, and work in any occupation to the end of the benefit period. The benefit includes:
- Pays 50% of monthly base salary to age 65 (maximum of $5,000 per month, for a maximum benefit period of 5 years)
- 180-day waiting period
