Do I Need a Short-Term Disability Policy?

For many employees, the answer is yes. Medically necessary leaves often involve more than just lost wages; they can bring increased health care costs, travel expenses, and higher household bills.

Why Consider Short-Term Disability if I Have Sick Time?

While sick time is valuable, short-term disability (STD) can offer additional financial support, especially if you run out of sick leave or don’t have enough to cover the long-term disability (LTD) elimination period. Even if you have sufficient sick/vacation time, STD benefits can still help with extra expenses.

What Sets This Plan Apart?

• Flexible Coverage: Choose a coverage amount up to the maximum listed for your salary range, instead of a fixed percentage.
• Two Plan Options:
  • Option 1: 2-week elimination for illness/injury.
  • Option 2: First-day coverage for off-the-job injury and 1-week elimination for illness.
• Guaranteed Issue: No medical questions during open enrollment.
• Coverage: Up to 26 weeks of non-taxable weekly payments based on medical necessity.
• No Income Offset: Benefits supplement your income regardless of other sick/vacation time.
• Pre-existing Conditions: Minimum 4 weeks of coverage, with limitations lifting after 1 year.

Enrollment

Complete your enrollment or make changes during Open enrollment (Nov 1 – Dec 1). Learn more about this and other benefits at our virtual benefit fair.

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