Disability Benefits

Qualifying as Disabled

During the elimination period and the own occupation period, one of these situations must apply:
You cannot perform the majority of the substantial and material duties of your own occupation.
You are performing the duties of your own occupation on a modified basis or any occupation and are unable to earn more than 80% of your indexed predisability earnings.

When Benefits Begin

LTD benefits begin after you have been disabled for 90 days. This is called the elimination period. It can be satisfied with days of total or partial disability. If you recover and return to work during the elimination period and become disabled again, you may not have to satisfy a new elimination period. If you become disabled again, your elimination period will pick up at the point where it was left off when you recovered. You have a period twice as long as the elimination period to satisfy the required number of days of disability earnings.

Benefits if Not Working

Your primary monthly benefit is equal to 60% of your base wage earnings before becoming disabled, but will not exceed $10,000.

Qualifying as Disabled

During the elimination period and the own occupation period, one of these situations must apply:

You cannot perform the majority of the substantial and material duties of your own job.

You are performing the duties of your own job on a modified basis and lose at least 20% of the income you earned before becoming disabled.

When Benefits Begin

STD benefits begin on the 8th day of disability when your disability is due to injury.
Benefits begin on the 8th day of disability when your disability is due to sickness. The
amount of time you must be disabled before receiving benefits is called the elimination
period.

Benefits if Not Working

Your primary weekly benefit is equal to 60% of your base wage earnings before becoming disabled, but will not exceed $1,400.