Human Resources - Benefits

Administration Division

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Disability

If you’re unable to work because of a non-work related illness or accident, disability benefits can replace some lost income.

  • Short-term disability (STD) — After you’ve been disabled for 14 days, STD replaces 60% of your weekly salary, up to $2,500 per week. Benefits may last up to 11 weeks. Evidence of Insurability (EOI) will be required if you elect this coverage during Open Enrollment.
  • Long-term disability (LTD) — After you’ve been disabled for 90 days, LTD replaces 60% of your monthly salary, up to $15,000 per month. No EOI is required.

Do you have a medical condition?

You may not be eligible for LTD benefits for 12 months if you received treatment for a condition within three months of when your disability coverage begins.

Disability coverage premiums

Short-term disability (STD) premiums

$0.291/$10 of covered benefit
STD calculation example - monthly payroll.

Rate: $0.291 / $10 of covered benefits.

Annual Salary: $56,000

$56,000 / 52 = $1,076.92 weekly covered salary.

$1,076.92 x 0.60 = $646.15 weekly benefit.

$646.15 x 0.291 / $10 = $18.80

STD weekly benefit maximum: $2,500

Long-term disability (LTD) premiums

Rate $0.266 / $100 of covered salary

LTD calculation example - monthly payroll

Annual Salary: $56,000

$56,000 / 12 = $4,666.67 monthly covered salary

$4,666.67 x $0.266 / $100 = $12.41 monthly premium

LTD monthly benefit maximum: $15,000

Purple and white icon of a file folder, representing filing a claim.

Need to file a claim?
Find out how with the claim intake sheet.

Yellow and white icon of an umbrella, representing access to an Employee Assistance Program for LTD coverage enrollees.

Get help with life’s challenges
If you’re enrolled in LTD coverage, you have access to an Employee Assistance Program.

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