Disability

What is Short-Term Disability Insurance?

A type of coverage that replaces a portion of your income, for a short period of time, if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules:

Eligibility: Eligible full-time employees working 20+hours/week
Coverage provided by One America
Must be actively at work on the effective date
No Health Questions - EVERY YEAR! (Pre-existing condition will apply for new participants)
Employees can choose to start/stop their sick leave at the end of the elimination period (must notify HR at the start of the disability period)
Pays in addition to sick leave (Above 100% of pre-disability earnings)
Employee does not have to exhaust sick leave prior to receiving a benefit

What is Long-Term Disability Insurance?

A type of coverage that replaces a portion of your income, for a long period of time, if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules:

Eligibility: All full-time employees working 20+hours/week
Coverage provided by One America
Must be actively at work on the effective date
No Health Questions - EVERY YEAR! (Pre-existing condition will apply for new participants)
Employees can choose to start/stop their sick leave at the end of the elimination period. Employees must notify Human Resources at the start of disability period