The loss of income caused by missed work due to illness, injury, or childbirth can cause serious financial hardship for your family. Disability insurance replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this time.


Short-Term Disability (STD)

  • Coverage is automatic and company-paid; no need to enroll.
  • Benefit payments continue all or part of your salary for up to 26 weeks.
  • May be coordinated with state disability benefits in New York, New Jersey, and California.
  • Your leave must be certified as medically necessary by the plan administrator, Unum.

Short-Term Disability (STD) Schedule

Years of service Weeks at 100% of Pay Weeks at 70% of Pay
Less than 1 4 weeks 22 weeks
1 but less than 3 8 weeks 18 weeks
3 but less than 5 12 weeks 14 weeks
5 but less than 7 20 weeks 6 weeks
7 or more 26 weeks 0 weeks

Long-Term Disability (LTD)

  • Coverage is automatic and company-paid; no need to enroll.
  • Pays a benefit of 66 2/3% of your base salary, up to a maximum benefit of $15,000 per month.
  • Benefits begin after 180 days of continuous disability.
  • Pre-existing conditions limitation may apply if you become disabled during your first year of coverage.
  • Benefits continue based on the provisions of the LTD benefit as provided by the insurance carrier.
  • The maximum duration of LTD benefits depends on the employee's age at disability. If an employee is disabled prior to age 62, benefits could continue to their Social Security Normal Retirement Age.

STD/LTD is payable only while on a medically approved disability.