Weekly Benefit is 66 2/3 of average weekly wage up to the maximum amount payable, which is $559 for disabilities beginning on or after January 1, 2011. Employees NOT covered under this Plan are those residing in California, New York, Hawaii and Rhode Island, which have State mandated STD plans that cover those employees.

You are eligible to enroll on your date of hire. Benefits terminate as of your last date of employment. The maximum amount of benefits which may be paid for each period of disability is one-third of the total wages in covered employment paid to the claimant during the base year, or 26 times the weekly benefit amount, to a maximum of $559 per week, whichever is less.

Benefits begin on the 8th day of continuous disability.  Benefits will be reduced by any Social Security or Worker’s Compensation benefits received by claimant.  Your contribution for this benefit is deducted semi-monthly.

Long-Term Disability (LTD)

Employees who choose to participate receive 60% of monthly wages paid to a maximum of $15,000 per month, minus any social security and/or workman's compensation benefits received by claimant following 3 months of continuous disability. You have the option of paying 50% or 100% of the premium. The benefit payment will either be partially taxed or be tax-free, based on the option you choose.