Disability Insurance

Employees may elect:

• The STD Low Option plan (maximum benefit of $500 per week) or
• The STD High Option plan (maximum benefit of $1,000 per week).

How it works
When you go out on STD, apply for STD to start on the first day of medical absence, no matter how much sick leave you have accrued.

There is a 14 calendar day elimination period before STD benefits can be paid. During this elimination period, you must exhaust all accrued sick leave. Any accrued sick leave remaining after the elimination period must also be exhausted before STD benefits are paid. Annual leave will also be exhausted, unless you actively request that it not be used.

Long Term Disability insurance replaces a portion of your income when you are absent from work more than 180 consecutive calendar days due to your own medical condition.

You may elect

• The LTD Low Option plan (maximum monthly benefit of $2,000 per month)
• The LTD High Option plan (maximum monthly benefit of $4,000 per month), or
• The LTD Premier plan, which provides income replacement at 66 2/3 percent of your base salary, to a maximum of $7,000, should you be absent from work due to your own medical condition for a period greater than 90 consecutive calendar days.

An employee electing either of the STD plans may not elect the LTD Premier plan, because the 90-day elimination period under the LTD Premier plan overlaps the STD period of 180 days.