LIFE & DISABILITY

If you become ill or injured and need to miss work for an extended time, disability insurance can replace a percentage of your lost income (up to a maximum benefit).

Short-Term Disability
The benefit for a non-exempt employee is 40%*; exempt employee is 60%* of your pay, up to a weekly maximum, and begins after a 15-day elimination period to a maximum of 90 days.

Short-Term Disability Buy-Up**
Non-exempt employees may elect to purchase a voluntary plan providing a benefit of an additional 20%, changing your benefit to 60%* of your pay, up to a monthly maximum.

Long-Term Disability
The benefit for a non-exempt employee is 40%*; exempt employee is 60%* of your pay, up to a monthly maximum, and begins after a 90-day elimination period.

Long-Term Disability Buy-Up**
Non-exempt employees may elect to purchase a voluntary plan that provides an additional 20%, changing your benefit to 60%* of your pay, up to a monthly maximum.

* Benefits paid would be less any deductible sources of income.

** Please note, you will have the opportunity to enroll in the STD or LTD Buy Up options during Open Enrollment, which typically occurs in the fall. If you elect to participate at that time, your coverage will begin 12 months after your date of hire (or change to a benefit-eligible status).