Disability Insurance

Disability insurance can keep you financially stable should you become disabled and unable to work. It can help provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.

Please note that if you live in NY, NJ, or CA you may be eligible for statutory disability benefits as well.

Voluntary 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 $1,500 per week.
  • Benefits end after 26 weeks.

Long-Term Disability (LTD)

  • You are eligible to receive LTD benefits after 180 days of disability.
  • Replaces up to 50% of your eligible income, up to a maximum of $1,000 per month until you recover or reach your Social Security Normal Retirement Age, whichever is sooner.