Disability Insurance
Short-term disability covers active employees.
Disability Insurance
Short-Term Disability Insurance
| Feature | Detail |
|---|---|
| Carrier | Unum |
| Paid by | Unum and Ketjen |
| Eligibility | Eligible on date of hire |
| Income replacement | 60% of pay through Unum; 40% topped-up by Ketjen for first 8 weeks |
| Maximum benefit | $3,000 per week |
| Elimination period | 7-day elimination period for illness and 0-day elimination period for injury |
| Benefit period | First 8 weeks plus following 18 weeks |
Carrier
- Detail
- Unum
Paid by
- Detail
- Unum and Ketjen
Eligibility
- Detail
- Eligible on date of hire
Income replacement
- Detail
- 60% of pay through Unum; 40% topped-up by Ketjen for first 8 weeks
Maximum benefit
- Detail
- $3,000 per week
Elimination period
- Detail
- 7-day elimination period for illness and 0-day elimination period for injury
Benefit period
- Detail
- First 8 weeks plus following 18 weeks
STD Notes
- Short-term disability covers active employees.
- When an overnight hospital stay is required, the elimination period is waived, and the benefits are payable immediately
Long-Term Disability Insurance
| Feature | Detail |
|---|---|
| Carrier | Unum |
| Paid by | Unum |
| Eligibility | First day of month after completion of three months of service |
| Income replacement | 60% of your monthly earnings |
| Maximum benefit | $15,000 per month |
| Elimination period | 26 consecutive weeks |
| Benefit period | Up to age 65 or 12 months, whichever is later |
Carrier
- Detail
- Unum
Paid by
- Detail
- Unum
Eligibility
- Detail
- First day of month after completion of three months of service
Income replacement
- Detail
- 60% of your monthly earnings
Maximum benefit
- Detail
- $15,000 per month
Elimination period
- Detail
- 26 consecutive weeks
Benefit period
- Detail
- Up to age 65 or 12 months, whichever is later
LTD Notes
- Any disability occurring within twelve (12) months of your date of hire will not be covered if the disability was caused by, related to or the result of a condition that existed during the three (3) months before the date you were first employed.