Disability Insurance Coverage
Protect your income if you become unable to work due to illness or injury
Did You Know?
1 in 4 workers will experience a disability lasting 90 days or more during their working career. Disability insurance replaces a portion of your income to help maintain your standard of living.
Short-Term Disability (STD)
Coverage for temporary disabilities lasting up to 26 weeks
Long-Term Disability (LTD)
Coverage for extended disabilities lasting beyond 90 days
LTD Coverage Details
Monthly Benefit
$3750.00
Waiting Period
90 days
Benefit Period
To Age 65 or Social Security Normal Retirement Age
Own Occupation Period
24 months
Supplemental LTD Buy-Up
Coverage Summary
Short-Term Disability
Not Selected
Long-Term Disability (60%)
$25.00/month
Total Monthly Premium
$25.00
Tax Considerations
Disability premiums are paid with after-tax dollars, which means any benefits you receive would be tax-free. This ensures you receive the full benefit amount when you need it most.