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: All full-time employees working 20 or more hours/week
Coverage through One America
Employee must be actively at work on the effective date
Short-Term Disability Benefits pay in addition to sick leave (above 100% of pre-disability earnings)
Long-Term Disability Benefits do not pay in-addition to sick leave
Employees can start and stop sick leave to correspond with elimination period. The decision must be made at the time leave begins
No health questions EVERY YEAR! (Pre-existing condition will apply for new participants)