Disability

What is Short-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a short period of time. 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, regardless of position, working 32 hours or more per week (Part-time and 49% employees are not eligible to enroll)
Coverage through OneAmerica
Employee must be actively at work on the effective date
Annual Open Enrollments with no health questions; pre-existing condition limitation will apply to new enrollees
Employees can choose to start/stop their sick leave to get through the elimination period. This decision must be made at the beginning of leave.

What is Long-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a longer period of time. 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, regardless of position, working 32 hours or more per week (Part-time and 49% employees are not eligible to enroll)
Coverage through One America
Employee must be actively at work on the effective date
Annual Open Enrollments with no health questions; pre-existing condition limitation will apply to new enrollees
Employees can choose to start/stop their sick leave to get through the elimination period. This decision must be made at the beginning of leave.