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Disability Insurance

The purpose of Long Term Disability (LTD) Insurance is to provide income replacement benefits for you and your family in the event you are unable to work due to an accident or sickness.  When employees enroll for coverage in the LTD, they can choose their monthly benefit amount in $100 increments, from $200 to $8,000 (not to exceed 66 2/3% of monthly predisability earnings).  Employees can choose from among six accident/sickness Benefit Waiting Periods: 0/3 days, 14 days, 30 days, 60 days, 90 days, or 180 days and also elect their maximum benefit period.  (For plan features and rates, see Benefit Summary Highlights.  To view answers to Commonly Asked Questions, see the Voluntary Long Term Disability Insurance booklet.)