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Long-Term Disability Insurance

An accident or illness can put your life on hold. It may even mean you can’t work. How do you pay your bills? Long-term disability replaces part of your income if you can’t work due to a covered disability. You can use this money to help you pay everyday expenses, like your mortgage or rent, utilities, childcare and groceries.

How it works

This coverage is provided by your employer at no cost to you!

Monthly benefit after your claim is approved      

You will receive a check for your benefits on a monthly basis. It will cover up to 60% of your Total Monthly Earnings, up to $10,000 each month (up to $2,500 for hourly employee).

When benefits begin

Benefits begin as soon as 180 days (if approved)

Benefits may be paid for

Until you reach the Social Security Normal Retirement Age—as long as you are still unable to work due to a covered disability.

Additional plan information

You’re covered for disabilities resulting from injury or sickness 24 hours a day, seven days a week.

You may receive additional benefits if your covered disability begins with a hospital stay of 14 days or more.

A vocational rehabilitation counselor will work with you, when appropriate, to create a return-to-work plan that’s right for you.