DISABILITY

What is Short-Term 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 ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Short-Term Disability Plan Rules:

• Eligibility: Eligible employees as described on the Eligibility page of the employee benefits guide

• Coverage through MetLife

• Employee must be actively at work on the effective date

• Annual Open Enrollments with no health questions

• Pre-existing condition limitation will apply to new enrollees

• As of 1/1/2026, STD pays in-addition to sick leave and paid paternal leave. Must use in conjunction​

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What is Long-Term 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 ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Long-Term Disability Plan Rules:

• Eligibility: Eligible employees as described on the Eligibility page of the employee benefits guide

• Coverage through MetLife

• Employee must be actively at work on the effective date

• Must exhaust all sick leave prior to using benefit. LTD benefits do not pay in-addition to sick leave

• Annual Open Enrollments with no health questions;

• Pre-existing condition limitation will apply to new enrollees