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You may be eligible for short-term disability coverage, which provides a benefit during an illness or injury of less than 17 weeks duration. Short-term disability coverage is not an option that you have to opt in or out of as a part of the benefits enrollment process. Your local Human Resources team can share information about your short-term disability/medical leave options.
Long-term disability (LTD) coverage pays a monthly benefit if you are totally disabled and unable to work for more than 17 weeks. You have five options to purchase long-term disability coverage, as listed below.
Length of Coverage: 2 years, or until age 65, whichever comes first
Approximate Net Income Replacement: 75%
Monthly Benefit* (Approximate % of Monthly Pay): 60% of first $2,000, 55% of next $2,250, 45% of balance
Indexing: None
Tax Status: Non-taxable, paid by payroll deduction
*Maximum benefit is $15,000 per month
Length of Coverage: 5 years, or until age 65, whichever comes first
Approximate Net Income Replacement: 75%
Monthly Benefit* (Approximate % of Monthly Pay): 60% of first $2,000, 55% of next $2,250, 45% of balance
Indexing: None
Tax Status: Non-taxable, paid by payroll deduction
*Maximum benefit is $15,000 per month
Length of Coverage: 10 years, or until age 65, whichever comes first
Approximate Net Income Replacement: 75%
Monthly Benefit* (Approximate % of Monthly Pay): 60% of first $2,000, 55% of next $2,250, 45% of balance
Indexing: None
Tax Status: Non-taxable, paid by payroll deduction
*Maximum benefit is $15,000 per month
Length of Coverage: Until age 65
Approximate Net Income Replacement: 75%
Monthly Benefit* (Approximate % of Monthly Pay): 60% of first $2,000, 55% of next $2,250, 45% of balance
Indexing: None
Tax Status: Non-taxable, paid by payroll deduction
*Maximum benefit is $15,000 per month
Length of Coverage: Until age 65
Approximate Net Income Replacement: 85%
Monthly Benefit* (Approximate % of Monthly Pay): 65% of first $2,600, 60% of next $3,000, 45% of balance
Indexing: CPI** to 3% max
Tax Status: Non-taxable, paid by payroll deduction
*Maximum benefit is $15,000 per month
**CPI=Consumer Price Index
To determine the amount of income would you need if you became disabled and unable to work you should consider:
View Detailed Benefit Guide for more information.
For new hires, complete your benefits enrollment during the first 30 days of employment.
Questions? Check out our FAQs page.
For new hires, complete your benefits enrollment during the first 30 days of employment.
Questions? Check out our FAQs page.
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