Disability

What is Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your most valuable asset — your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules:

Eligibility: Eligible full-time employees (as described on eligibility page)
Coverage through OneAmerica
Employee must be actively at work on the effective date
No Health Questions Every Year !
Pre-existing condition will apply when moving to an option with a shorter elimination period
Short Term Disability (Options 1-3) Pays in addition to sick leave above 100% of pre-disability earnings
Employees can start/stop sick leave and must let employer know at the beginning of leave
Short-Term Disability benefits are paid in addition to Paid Parental Leave (no offset). This means Paid Parental Leave will not reduce or offset STD payments for maternity leave
49% employees are NOT ELIGIBLE for Disability Insurance