Disability
Disability insurance provides financial protection if you’re unable to work due to illness or injury. It replaces a portion of your income, helping you manage everyday expenses and maintain stability while you recover. Long Term Disability (LTD) offers extended support for serious or long-lasting health issues. This coverage offers peace of mind, ensuring you’ll still receive a steady income if the unexpected happens.
Short Term Disability (STD)
- You are eligible to receive STD benefits after you have been disabled for 7 days due to a non-work-related illness or injury.
- Replaces up to 60% of your eligible income, up to a maximum of $2,000 per week.
- Benefits end after 12 weeks.
Long Term Disability (LTD)
- You are eligible to receive LTD benefits after 90 days of disability
- Replaces up to 60% of your eligible income, up to a maximum of $10,000 per month until you recover or reach your Social Security Normal Retirement Age, whichever is sooner.