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Human Resources

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Print friendly Modified April 26, 2016

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

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

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