Disability
Disability insurance provides financial protection if you’re unable to work due to illness or injury. It replaces a portion of your income, helping you manage everyday expenses and maintain stability while you recover. Short Term Disability (STD) typically covers temporary conditions, while Long Term Disability (LTD) offers extended support for more serious or long-lasting health issues. This coverage offers peace of mind, ensuring you’ll still receive a steady income if the unexpected happens.
California State Disability Insurance (CA Employees Only)
- You are eligible to receive CA SDI benefits after you have been disabled due to a non-work-related illness or injury.
- Replaces 70% to 90% of your eligible income, up to a maximum of $1,681 per week.
- Benefits end after 52 weeks.
Short Term Disability (STD) Non-CA Employees
- You are eligible to receive STD benefits after you have been disabled for 7 days due to a non-work-related illness or injury.
- Replaces up to 60% of your eligible income, up to a maximum of $1,229 per week.
- Benefits end after 25 weeks.
Long Term Disability (LTD)
- You are eligible to receive LTD benefits after 180 days of disability.
- Managers: Replaces up to 60% of your eligible income, up to a maximum of $10,000 per month until you reach your Social Security Normal Retirement Age or Maximum Benefit Period (schedule), whichever is sooner.
- All Other Employees: Replaces up to 50% of your eligible income, up to a maximum of $10,000 per month until you reach your Social Security Normal Retirement Age or Maximum Benefit Period (schedule), whichever is sooner.