Income Protection

If you become disabled and cannot work, no benefit becomes more important to your financial security than disability income protection. Sample Company values your service and wants to ensure you and your families are protected with income replacement benefits in the event of a life-changing accident or disability and provides – at no cost to you – Disability coverage for all full-time employees through Sample Provider.

Short Term Disability

Short Term Disability insurance can replace a portion of your income during the initial weeks of a disabling illness or accident. Policies can cover from the first 6 months up to a year of a disability, providing coverage during the waiting period of most Long Term Disability Insurance plans.

Long Term Disability

Long Term Disability Insurance replaces a portion of your income during an extended period of a disabling illness or accident. By providing a steady stream of income while you are unable to work, Long Term Disability Insurance can help you meet your financial obligations

Coverage	Benefit
Short Term Disability	Covers 60% of your base annual earnings to a $3,500 maximum or 52 weeks. Benefit begins after 7 days of disability.
Long Term Disability	Covers 60% of your base annual earnings to a $17,000 maximum. Benefit begins after 360 days of disability and payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. Certain exclusions as well as preexisting condition limitations may apply. Please refer to your Summary Plan Description for details or contact Human Resources about specific benefits.

Coverage

Benefit

Short Term Disability

Covers 60% of your base annual earnings to a $3,500 maximum or 52 weeks. Benefit begins after 7 days of disability.

Long Term Disability

Covers 60% of your base annual earnings to a $17,000 maximum. Benefit begins after 360 days of disability and payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. Certain exclusions as well as preexisting condition limitations may apply. Please refer to your Summary Plan Description for details or contact Human Resources about specific benefits.