We provide you with coverage to help protect your family’s income against the unexpected.
NEW 2015 STD/LTD Leave Coordination
Employees will have two options:
- Employee may use sick and vacation/annual (vacation/annual is optional) leave during elimination period only and then receives up to 60% of weekly or monthly salary as a short or long term disability benefit after the end of the elimination period.
- Employee may use sick and vacation/annual (vacation/annual is optional) leave during the elimination and into the disability benefit period. If an employee exhausts all leave prior to the end of the disability period or chooses to stop using paid leave accruals while still in the disability period, then the employee would be eligible to receive up to 60% of weekly or monthly salary as a short and/or long term disability benefit.
Employee can use sick and vacation/annual (vacation/annual is optional) leave or receives disability payment, but can no longer receive both leave and disability together.
If you’re unable to work because of a non-work related illness or accident, these disability benefits can replace some of the income you’ll lose by not working:
Short-term disability (STD) - after you’ve been disabled for 14 days, this benefit replaces 60% of your weekly salary, up to $2,500. Benefits may last up to 11 weeks.
- There are no pre-existing condition exclusions with this benefit option. Proof of good health is required for late entrance.
Long-term disability (LTD) - if you are eligible, USG replaces 60% of your monthly salary, up to $15,000. Benefits start 90 days after disability begins and continues until you return to work, are no longer disabled, or are of normal Social Security retirement age.
- Important note: 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. There is no proof of good health requirement for this benefit.
If you are enrolled in the LTD coverage, you have an Employee Assistance Program available to you. Learn more.
Learn more about how to file a claim for Short Term or Long Term Disability.
For more information on this benefits, check out this Disability at-a-glance overview.