Short-Term &
Long-Term Disability
Disability insurance helps protect your income if an illness or injury prevents you from working.
Short-Term Disability (STD)
STD coverage is voluntary, employees must elect and pay for this benefit.
| STD Benefit | Coverage |
|---|---|
| Income Replacement | 60% of income |
| Maximum Benefit | $1,000 per week |
| Elimination Period | 14 days |
| Maximum Benefit Period | 180 days |
| Cost | Voluntary/employee-paid |
The 14-day elimination period is the period that must pass before STD benefits can begin. Once eligible, benefits may continue for up to 180 days, subject to the terms of the plan.
Long-Term Disability (LTD)
Basic LTD coverage is provided by LSP at no cost to employees.
| LTD Benefit | Coverage |
|---|---|
| Income Replacement | 60% of income |
| Maximum Benefit | $6,000 per month |
| Elimination Period | 180 days |
| Maximum Benefit Period | While disabled, up to Social Security Normal Retirement Age |
| Cost | Provided at no cost |
Certain exclusions and pre-existing condition limitations may apply to LTD coverage. Employees should refer to the plan documents or contact Human Resources for details.