Disability Insurance

Being unable to work due to illness or injury can be stressful. We provide Disability Insurance through Cigna to help take care of your financial worries so that you can focus on your recovery.

How does it work?

Disability Insurance replaces a portion of your earnings if you become disabled and are unable to work.

What am I covered for?

Summary of features Voluntary Short-term Disability Insurance Long-term Disability Insurance
Benefit 60% of your base earnings* up to $1,500 per week 60% of your base earnings* up to $10,000 per month
Begins Benefits begin after 14 calendar days of absence from work and continue for up to 12 weeks Benefits begin when short-term disability benefits end and continue until you reach the Social Security retirement age
Restrictions If you’ve been seen, treated, or prescribed medication for a condition in the three months prior to the effective date of your coverage, benefits for a disability related to that condition will not be payable until 12 months following the effective date If you’ve been seen, treated, or prescribed medication for a condition in the three months prior to the effective date of your coverage, benefits for a disability related to that condition will not be payable until 12 months following the effective date
Benefit
Voluntary Short-term Disability Insurance 60% of your base earnings* up to $1,500 per week
Long-term Disability Insurance 60% of your base earnings* up to $10,000 per month
Begins
Voluntary Short-term Disability Insurance Benefits begin after 14 calendar days of absence from work and continue for up to 12 weeks
Long-term Disability Insurance Benefits begin when short-term disability benefits end and continue until you reach the Social Security retirement age
Restrictions
Voluntary Short-term Disability Insurance If you’ve been seen, treated, or prescribed medication for a condition in the three months prior to the effective date of your coverage, benefits for a disability related to that condition will not be payable until 12 months following the effective date
Long-term Disability Insurance If you’ve been seen, treated, or prescribed medication for a condition in the three months prior to the effective date of your coverage, benefits for a disability related to that condition will not be payable until 12 months following the effective date

*Base earnings is the base compensation paid to the Employee excluding bonuses, incentives and overtime pay, for example:

Joe earns $1000 regular earnings and $300 overtime wages per week.

Joe’s STD benefit is $600 (1000 x 60%).

How much will coverage cost me?

Your age Voluntary Short-term Disability Insurance Long-term Disability Insurance For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
< 29 $0.107 Spitzer Industries pays the full cost of this coverage $0.107 x 60 = $6.42
30 - 34 $0.111 Spitzer Industries pays the full cost of this coverage $0.111 x 60 = $6.66
35 - 39 $0.111 Spitzer Industries pays the full cost of this coverage $0.111 x 60 = $6.66
40 - 44 $0.131 Spitzer Industries pays the full cost of this coverage $0.131 x 60 = $7.86
45 - 49 $0.162 Spitzer Industries pays the full cost of this coverage $0.162 x 60 = $9.72
50 - 54 $0.200 Spitzer Industries pays the full cost of this coverage $0.200 x 60 = $12.00
55 - 59 $0.266 Spitzer Industries pays the full cost of this coverage $0.266 x 60 = $15.96
60 - 64 $0.335 Spitzer Industries pays the full cost of this coverage $0.335 x 60 = $20.10
65 - 69 $0.384 Spitzer Industries pays the full cost of this coverage $0.384 x 60 = $23.04
70 - 74 $0.422 Spitzer Industries pays the full cost of this coverage $0.422 x 60 = $25.32
75+ $0.422 Spitzer Industries pays the full cost of this coverage $0.422 x 60 = $25.32
< 29
Voluntary Short-term Disability Insurance $0.107
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.107 x 60 = $6.42
30 - 34
Voluntary Short-term Disability Insurance $0.111
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.111 x 60 = $6.66
35 - 39
Voluntary Short-term Disability Insurance $0.111
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.111 x 60 = $6.66
40 - 44
Voluntary Short-term Disability Insurance $0.131
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.131 x 60 = $7.86
45 - 49
Voluntary Short-term Disability Insurance $0.162
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.162 x 60 = $9.72
50 - 54
Voluntary Short-term Disability Insurance $0.200
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.200 x 60 = $12.00
55 - 59
Voluntary Short-term Disability Insurance $0.266
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.266 x 60 = $15.96
60 - 64
Voluntary Short-term Disability Insurance $0.335
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.335 x 60 = $20.10
65 - 69
Voluntary Short-term Disability Insurance $0.384
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.384 x 60 = $23.04
70 - 74
Voluntary Short-term Disability Insurance $0.422
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.422 x 60 = $25.32
75+
Voluntary Short-term Disability Insurance $0.422
Long-term Disability Insurance Spitzer Industries pays the full cost of this coverage
For example: Joe’s weekly benefit is $60.
Joe's cost per paycheck is:
$0.422 x 60 = $25.32

How do I make a claim?

Call 888.842.4462 .

When asked for your Group Number, please provide:

Voluntary Short-term Disability Insurance
VDT962596
Long-term Disability Insurance
LK965703