Short Term Disability
Short Term Disability benefits provide financial protection against the loss of your income if you are unable to work for medical reasons (including maternity leave) or due to a non-work-related injury. Disability benefits will replace a portion of your pay for a certain period of time. When reviewing this coverage, consider how long you can personally go without receiving a paycheck.
Disability insurance is through Sun Life.
EMPLOYEE PAID SHORT TERM DISABILITY
As a new hire, once you have completed 60 days of employment, you can elect to be covered by the Company short-term disability (STD) plan at a low cost. If you do not elect STD as a new hire, late entrants will need to apply for Short Term Disability through Evidence of Good Health (submitting health questionnaire). If approved, there is no pre-existing condition waiting period. Employees can only enroll when they’re a new hire or during Open Enrollment.
Note: Some states have state mandated STD plans. They will coordinate your benefit with the state-mandated plan.
Available Coverage
Hourly Rates
Employee’s Monthly Cost of Coverage
SALARIED RATES
Employee’s Monthly Cost of Coverage
- Monthly Rate Per $10 of Weekly Benefit = $0.35
How to Calculate Your Bi-Weekly Cost:
- STEP 1: Divide your annual salary by 52 to calculate your weekly earnings. (This amount cannot exceed $1,667.)
- STEP 2: Multiply this amount by the benefit percentage defined above in the Available Coverage section. (For example, 60% would be $0.60. Now, you have your gross weekly benefit.)
- STEP 3: Use the chart above to find our Monthly rate based on age. Multiply this rate by your gross weekly benefit, or the maximum gross weekly benefit, whichever is less.
- STEP 4: Divide the total by 10. The result is your Monthly cost.
- STEP 5: Multiply the amount above in Step 4 by 12, then divide by 26 to determine your bi-weekly premium.
How to file your Short-Term Disability or Leave of Absence claim
Why create a Sun Life Account
SunLife Online Services for Members Account Registration Guide
Long Term Disability
EMPLOYER PAID LONG TERM DISABILITY COVERAGE
If an illness or injury prevents you from working for more than 90 days, long-term disability (LTD) coverage will continue to pay a portion of your salary. The Company provides you with LTD benefits equal to 60 percent of pay at no cost to you.
Available Coverage
Important Notes
- Actual per pay period premiums may differ slightly due to rounding.
- Rates may be subject to change in the future.
- Payments are issued on a monthly basis, and benefits eligibility begins on the 91st consecutive day of your documented disability.
- LTD coverage offsets with other disability income replacement benefit, such as Social Security, workers’ compensation.
- Your LTD benefit amount is determined by your monthly base pay at the time you become disabled. Pay is based on the straight time hourly rate for your job title and a 40-hour work week.
- LTD benefit continue to be paid while you remain disabled until age 65, with the exception of those disabled due to mental and nervous disorders, or conditions related to substance abuse.
How to file your Long Term Disability claim
Why create a Sun Life Account