not mobile

Human Resources

Male and female couple smiling at one another while yellow flower shopping while female places hand on man's shoulder.


Print friendly Modified October 8, 2015

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) is 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
$0.258/$100 of covered salary
LTD calculation example - monthly payroll
Rate: $0.258 / $100 of covered salary
Annual Salary: $56,000
$56,000 / 12 = $4,666.67 monthly covered salary
$4,666.67 x 100 = $12.04
LTD weekly benefit maximum: $15,000
Icon of a white keyboard and blue checkmark on a green background.

Need to file a claim?
Find out how to file a disability claim.

Icon of a white umbrella on a green background.

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

Icon of a white computer mouse on a purple background.

Learn more
For more information, view the 2016 Comparison Guide.