Overview
A serious illness or injury can cause significant financial hardship for your family. Disability insurance, provided through Unum, replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this difficult time.
Short-term disability
You may choose to purchase coverage that pays you a disability benefit for up to 26 weeks.
Long-term disability
Long-term coverage protects you from the financial impact of an extended disability.
Short-Term Disability
Voluntary short-term disability coverage provides you with:
- Benefits that start after seven days of illness or injury.
- Payments equal to 70% of your salary, up to a maximum of $2,500 per week.
- Up to 26 weeks of benefits.
California state disability insurance and your short-term disability payments
Employees residing in California are eligible for short-term disability benefits through the California State Disability Insurance (CASDI) program. CASDI is funded through employee payroll deductions and provides short-term benefits to eligible workers who become injured or suffer an illness and cannot perform the duties of their job. Any benefits paid under this policy will be subject to income tax.
While you may choose to purchase short-term disability coverage, this benefit is reduced by the amount of CASDI payments you receive.
Long-Term Disability
Coverage is 100% employee-paid.* Voluntary long-term disability coverage provides you with:
- Benefits that start after you have been disabled for 180 consecutive days
- Payments equal to 60% of your regular monthly earnings to a maximum of $15,000 per month
* Director level and above receive 100% employer-paid long-term disability coverage. Contact the Benefits team for details.