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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. You are automatically covered as a full-time, non-union employee – no enrollment is needed.

• 60% of your weekly earnings to a $1,500 weekly maximum for 26 weeks

• Benefit begins after 15 days of 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.

• Benefit begins after 26 weeks of disability and are payable on a monthly basis for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.

LTD – Salaried/Exempt Employees

If you are a full-time, exempt (salaried) employee, you have two options available at discounted group rates.

Option A
Option B
Benefits Begin
After 26 weeks of disability
Benefit Amount
Up to 60% of your monthly base pay, up to a maximum of $15,000 per month
Up to 60% of your monthly base pay plus bonus, up to a maximum of $25,000 per month
Benefit Duration
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

Note for Hourly Employees: Employer-paid disability coverage is not included in your gross income, and your benefits will be taxable. Under current tax laws, you will be taxed at the time the benefit is received.

Pre-Existing Condition

A pre-existing condition limitation will apply during your first year on the Plan (or on the increase in coverage level if you move from Option A to Option B). If you received treatment, consultation, care or services, or took prescription medication in the three months before your enrollment, a resulting disability will not be covered. Once you have been insured on the Plan as an active employee for a consecutive 12 months, the pre-existing condition limitation no longer applies.

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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. You are automatically covered as a full-time, non-union employee – no enrollment is needed.

  • 60% of your weekly earnings to a $1,500 weekly maximum for 26 weeks
  • Benefit begins after 15 days of disability
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.
  • Benefit begins after 26 weeks of disability and are payable on a monthly basis for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.

LTD – Salaried/Exempt Employees

If you are a full-time, exempt (salaried) employee, you have two options available at discounted group rates.

Option A
Benefits Begin: After 26 weeks of disability

Benefit Amount: Up to 60% of your monthly base pay, up to a maximum of $15,000 per month

Benefit Duration: 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

Option B
Benefits Begin: After 26 weeks of disability

Benefit Amount: Up to 60% of your monthly base pay plus bonus, up to a maximum of $25,000 per month

Benefit Duration: 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

Note for Hourly Employees: Employer-paid disability coverage is not included in your gross income, and your benefits will be taxable. Under current tax laws, you will be taxed at the time the benefit is received.

Pre-Existing Condition

A pre-existing condition limitation will apply during your first year on the Plan (or on the increase in coverage level if you move from Option A to Option B). If you received treatment, consultation, care or services, or took prescription medication in the three months before your enrollment, a resulting disability will not be covered. Once you have been insured on the Plan as an active employee for a consecutive 12 months, the pre-existing condition limitation no longer applies.

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.