Disability

Disability insurance is a type of insurance coverage that provides income replacement for individuals who are unable to work due to a disability or illness. It is designed to provide financial protection and support in case you become disabled and are unable to earn an income for an extended period.

Disability insurance provides financial support when you’re unable to work due to maternity leave or an unexpected illness or an accident, helping cover lost income during recovery.

Disability insurance is commonly used for maternity leave, offering partial wage replacement for a set period, typically six to eight weeks after childbirth. Some policies also provide benefits before birth if complications arise.

In the case of an unexpected illness or accident, disability insurance coverage can kick in if a medical condition prevents you from working, ensuring financial stability while you focus on healing.

Having disability insurance means you can prioritize your health or your newborn without worrying about lost income.

Plan Highlights

Benefit Amount: Protect up to 66 2/3% of your gross monthly salary, up to the plan maximum benefit of $7,500.

Elimination Period: This is the length of time you must wait after becoming disabled before you start receiving benefits. Choose from 14 day, 30 days, 60 days, 90 days, or 180 days. For employees that elect either the 14 day or the 30 day elimination period, the elimination period will be waived if you are hospitalized during the elimination period.

Benefit Duration: Social Security Normal Retirement Age (SSNRA)

Reasonable Accommodation Benefit: A new provision added to the policy effective 9/1/2023 is the Reasonable Accommodation Benefits. A benefit of up to $25,000 is available to modify or adjust you job or work environment to allow you to perform essential job functions if you are disability.

Unum Life Planning Financial & Legal Resources: This service is provided at no extra cost for employees, spouses and beneficiaries who need help during a terminal illness, or after the loss of a covered employee.

Unum Life Worldwide Travel Assistance: This service provides multilingual support, helping you find hospitals, embassies, and other essential locations. A single call connects you and your family to vital medical and other services, available 24/7.