Disability Insurance
Disability insurance helps replace a portion of your income if you become unable to work due to illness or injury. Both short-term and long-term disability coverage are provided through Guardian at no cost to you.
Disability insurance helps replace a portion of your income if you become unable to work due to illness or injury. Both short-term and long-term disability coverage are provided through Guardian at no cost to you.
Short-term disability replaces a portion of your income for shorter periods of inability to work due to illness or injury.
| Cost | Employer-paid (no cost to you) |
| Carrier | Guardian |
| Elimination Period | 14 days (accident or sickness) |
Long-term disability picks up where short-term disability ends, providing income protection for extended periods of inability to work.
| Cost | Employer-paid (no cost to you) |
| Carrier | Guardian |
| Elimination Period | 90 days |
Short-Term Disability (STD): Coverage that replaces a portion of your income if you're unable to work due to illness or injury, typically for up to 26 weeks.
Long-Term Disability (LTD): Coverage that replaces a portion of your income for extended periods after short-term disability benefits end.
Elimination Period: The waiting period before disability benefits begin. During this time, you may use sick leave or PTO.
Benefit Percentage: The percentage of your pre-disability income that the plan replaces, typically 60-66.67%.
