Disability & Sick Leave
Disability Insurance is protection for one of your most important assets: your ability to earn an income. Disability coverage provides an income replacement benefit if you are ill or injured and unable to work. It is important to consider how long you would be able to pay your bills if you were unable to work. Short Term Disability replaces your income for 11 weeks, and the benefit is payable on day 8 of your disability. Should you remain disabled beyond 11 weeks, the Long Term Disability plan pays from your 91st day of disability until Normal Social Security Retirement age should you remain disabled. Disabling illnesses and injuries are more common than most of us realize. If you're out of work for weeks or months without an income, how would you pay your regular expenses? Disability Insurance could provide the security you need, and pays in addition to any accrued sick leave.
Your maximum period of payment is based on your age at time of disability. Please see certificate for details.
Sick Leave
Employees accrue sick leave at the rate of 1.25 days per month for the number of months you work (10 months, 11 months, or 12 months). You can bank up to 45 days of sick leave.
Short Term Disability Summary of Benefits
Pre-Existing Conditions - Short Term Disability
You have a pre-existing condition if you received medical treatment, consultation, care or services including diagnostic, or took prescribed drugs in the 3 months just prior to your effective date of coverage; and the disability begins in the first 6 months after your effective date of coverage. Once you have been insured on the Short Term Disability plan for 6 months, no limitation applies.
Long Term Disability Summary of Benefits
Pre-Existing Conditions - Long Term Disability
You have a pre-existing condition if you received medical treatment, consultation, care or services including diagnostic, or took prescribed drugs in the 3 months just prior to your effective date of coverage; and the disability begins in the first 12 months after your effective date of coverage. Once you have been insured on the plan for 12 months, no limitation applies.
Things to Consider
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Short Term Disability Plan pays in addition to sick leave
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Benefits are payable up to Social Security Normal Retirement Age
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No offsets for other income on the Long Term Disability Plan
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LTD benefits are payable to age 65 if you remain disabled
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Disability plans are not portable
