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Disability Insurance Plan

Disability

Disability insurance replaces a portion of your income when you are unable to work due to a qualified illness or non-work-related injury. Coverage is provided through Prudential.

Short-Term Disability
Long-Term Disability
Short Term Disability is provided at no cost to you and eligible employees are automatically enrolled.

• Benefit is 60% of your base weekly earnings up to a $1,500 weekly maximum. (If you’re a salaried salesperson, your monthly commissions are included in your base earnings.)

• Benefits begin on the 15th day of disability and are payable on a weekly basis as long as you are deemed disabled, up to a maximum of 24 weeks.



If you are a full-time, non-union hourly employee, LTD is provided at no cost to you – you are automatically covered and no enrollment is needed.

• Benefit is 60% of your monthly base earnings up to a $15,000 monthly maximum. (If you’re a salaried salesperson, your monthly commissions are included in your base earnings.)

• Benefit begins after 26 weeks of disability and are payable on a monthly basis.

If you are a full-time, non-union hourly employee, LTD is provided at no cost to you – you are automatically covered and no enrollment is needed. As a full-time, exempt (salaried) employee, you must take action to enroll in LTD coverage. You have two options available at discounted group rates. Both plans take effect after 26 weeks of disability. The benefit duration for both plans is up to 24 months at your own occupation, then for as long as you are disabled and unable to perform gainful employment until you return to work, reach retirement age or in the event of your death.  If you are an exempt salesperson your monthly commissions are included in your base earnings.

  • Option A: Up to 60% of your monthly earnings, up to a maximum of $15,000 per month.
  • Option B: Receive up to 60% of your monthly earnings plus bonus, up to a maximum of $25,000 per month.

Note: Any disability which occurs in the first 12 months of coverage which is attributed to a pre-existing condition for which you were treated or diagnosed for the condition or illness in the 12 months prior to the effective date of coverage will not be a covered disability. Changes in elected LTD option (for salaried employees only) may initiate additional pre-existing limitations.

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Disability Insurance Plan

Disability

Disability insurance replaces a portion of your income when you are unable to work due to a qualified illness or non-work-related injury. Coverage is provided through Prudential.

Short-Term Disability

Short Term Disability is provided at no cost to you and eligible employees are automatically enrolled.

• Benefit is 60% of your base weekly earnings up to a $1,500 weekly maximum. (If you’re a salaried salesperson, your monthly commissions are included in your base earnings.)

• Benefits begin on the 15th day of disability and are payable on a weekly basis as long as you are deemed disabled, up to a maximum of 24 weeks.

Long-Term Disability

 If you are a full-time, non-union hourly employee, LTD is provided at no cost to you – you are automatically covered and no enrollment is needed.

• Benefit is 60% of your monthly base earnings up to a $15,000 monthly maximum. (If you’re a salaried salesperson, your monthly commissions are included in your base earnings.)

• Benefit begins after 26 weeks of disability and are payable on a monthly basis.

If you are a full-time, non-union hourly employee, LTD is provided at no cost to you – you are automatically covered and no enrollment is needed. As a full-time, exempt (salaried) employee, you must take action to enroll in LTD coverage. You have two options available at discounted group rates. Both plans take effect after 26 weeks of disability. The benefit duration for both plans is up to 24 months at your own occupation, then for as long as you are disabled and unable to perform gainful employment until you return to work, reach retirement age or in the event of your death.  If you are an exempt salesperson your monthly commissions are included in your base earnings.

  • Option A: Up to 60% of your monthly earnings, up to a maximum of $15,000 per month.
  • Option B: Receive up to 60% of your monthly earnings plus bonus, up to a maximum of $25,000 per month.

Note: Any disability which occurs in the first 12 months of coverage which is attributed to a pre-existing condition for which you were treated or diagnosed for the condition or illness in the 12 months prior to the effective date of coverage will not be a covered disability. Changes in elected LTD option (for salaried employees only) may initiate additional pre-existing limitations.

Part-time and Temporary employees are eligible for a limited subset of benefits.  Union employees: refer to your collective bargaining agreement for your benefits eligibility.