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: All permanent full-time or part-time employees working 20 or more hours per week

• Coverage through MetLife

• Employee must be actively at work on the effective date

• For 2022, Employee must exhaust sick leave prior to receiving a benefit

• New for 2023 Plan Year - Employees can start/stop sick leave. Decision must be made at the beginning of leave

• Annual Open Enrollments with no health questions

• Pre-existing condition limitation will apply to new enrollees

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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: All permanent full-time or part-time employees working 20 or more hours per week

• Coverage through MetLife

• Employee must be actively at work on the effective date

• Employee must exhaust sick leave prior to receiving a benefit

• New for 2023 Plan Year - Employees can start/stop sick leave. Decision must be made at the beginning of leave

• Annual Open Enrollments with no health questions;

• Pre-existing condition limitation will apply to new enrollees