Short-Term Disability Insurance
Short term Disability Insurance replaces part of your monthly income if you canโt work because of a covered injury, illness or childbirth. How long you can recover benefits will depend on your plan and how long you are disabled. See Certificate of Coverage for benefit duration.
You: You are eligible for coverage if you are an active employee* in the United States working a minimum of 35 hours per week. Choose a monthly benefit between $400 and $5,000 for covered disabilities due to injury or illness. Coverage of up to 60% of your gross monthly salary may be offered. You may have to answer some additional health questions.
Elimination period (EP) and Benefit duration (BD) You can choose from 0/14/6 or 14/14/6 plans. The first number is the elimination period for a covered off-the-job accident. The second number is the elimination period for an illness. And the third number is your benefit duration. Elimination period is the number of days that must pass between your first day of a covered accident or illness and the day you can start receiving disability benefits. Benefit duration is the number of months you could receive benefits while you are disabled.
How To File Disability, Supp Health, Life
Video: Disability Insurance
Long-Term Disability Insurance
Long Term Disability Insurance replaces part of your income if you are sick or injured for an extended period. It can pay a monthly benefit as long as you are considered disabled, according to your policy. These benefits could be reduced if you are also receiving other replacement income sick as Social Security Disability Insurance. See Certificate of Coverage for benefit duration.
You: You are eligible for coverage if you are an active employee in the United States working a minimum of 35 hours per week. Coverage amounts Choose from $200 to $1,400 a month, in $100 increments. You can cover up to 60% of your monthly income. The monthly benefit may be reduced or offset by other sources of income.
Elimination period (EP) Your elimination period is 180 days. This is the number of days that must pass after a covered accident or illness before you can begin to receive benefits.
Benefit duration (BD) This is the maximum length of time you can receive benefits while youโre disabled. You can receive benefits up to the Social Security (SS) normal retirement age.
How To File Disability, Supp Health, Life