Disability

Disability insurance can keep you financially stable should you become disabled and unable to work. It can help provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.

Short-Term Disability (STD)

  • You are eligible to receive STD benefits after you have been disabled for 7 days due to a non-work-related illness or injury.
  • Replaces up to 60% of your eligible income, up to a maximum of $2,309 (offset by CA SDI) per week.
  • Benefits end after 12 weeks.

    Long-Term Disability (LTD)

    Long-Term Disability (LTD) coverage pays you a certain percentage of your income if you can’t work because an injury or illness prevents you from performing any of your job functions over a long time. It’s important to know that benefits are reduced by income from other benefits you might receive while disabled, like workers’ compensation and Social Security. Coverage is provided by Reliance Standard Life Insurance Company.

    • You are eligible to receive LTD benefits after 90 days of disability.
    • Replaces up to 60% of your eligible income, up to a maximum of $12,000 per month until you recover or reach age 65 (varies for disabilities starting after age 61).