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Disability benefits can be a welcome relief in what can be very trying times. They provide a source of income when you are unable to work due to an ongoing illness or injury.

Did You Know?

  • A disabling injury occurs every 1.5 seconds
  • Disability and loss of income usually associated with serious medical problems accounts for 48 percent of all home foreclosures
  • It is nice to know you have a safety net when needed

  • Short-term disability insurance pays a percentage of your salary if you become temporarily disabled, which means that you are not able to work for a short period of time due to sickness or injury not related to your job (workers' compensation coverage would provide income replacement if the disabling condition is due to a work-related injury).

    Typically, a short-term disability policy provides you with 40 to 80 percent of your pre-disability base salary.

  • Long-term disability insurance is also designed to replace a portion of your income when a disability prevents you from working, but it will pay benefits for much longer than a short-term disability plan.

    Long-term disability coverage generally doesn't start paying benefits until you've been unable to work for at least a month, and sometimes for as long as a year or two.

    But then once the benefits start, they continue for years. Depending on the policy, they may even continue until you reach retirement age.

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Disability Plan Documents
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Long-Term Disability Documents
LTD Claim Form.pdf
Long Term Disability Benefit Summary.pdf
Short-Term and Voluntary Short-Term Disability Documents
Short-Term Disability Claim form.pdf
Voluntary Short Term Disability Benefit Summary.pdf
Voluntary Short Term Disability Monthly Employee Deduction Table.pdf

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