Short-term Disability (STD)
If an employee is unable to work due to a non-work related illness or accident, disability coverage can help ensure income is still received. An employee must be totally disabled for a period of at least 14 days in order to be eligible for short term disability benefits. These benefits are paid at 60 percent of the employee's regular weekly pay and would continue for up to a period of 11 weeks if approved.
Long-term Disability (LTD)
An employee must be totally disabled for a period of at least 90 days in order to be eligible for benefits. The monthly income benefit is 60% of the base salary at the time the employee becomes disabled, up to $15,000. Benefits would continue until the employee can return to work, is no longer disabled, or reaches normal Social Security retirement age.
* Important note: There is no proof of good health requirement for this benefit; however, an employee may not be eligible for LTD benefits for 12 months treatment for a condition was received within three months of when the disability coverage begins.
Employee Assistance Program (EAP)
Employees enrolled in LTD coverage have access to an Employee Assistance Program which offers support in areas such as family counseling, legal and financial issues, alcohol and drug dependency, identity theft, and more. For instructions on how to access the EAP, call 1-800-511-3920.