Disability Benefits

Short-Term Disability insurance is “paycheck” protection that pays a percentage of your salary if you become temporarily disabled for a period of weeks. Common short-term disability claims include injury, pregnancy and minor surgeries.

Benefits
Benefit Amount	66.67%
Weekly Benefit Maximum	$1,000 per week
Waiting Period	7 days accident/7 days sickness
Maximum Duration/Benefit Period	12 weeks

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Summary of Benefits

Long-Term Disability insurance protects your ability to earn a paycheck. It pays a percentage of your salary if you become unable to work for a long period of time, months or even years.
Common long-term disability claims include musculoskeletal disorders, cancer or serious illness and mental health issues.

Benefits	Class 1	Class 2	Class 3	Class 4
Benefit Percentage	60%	60%	60%	60%
Monthly Benefit Maximum	$8,000 per month	$6,000 per month	$8,000 per month	$6,000 per month
Monthly Benefit Minimum	$100	$100	$100	$100
Waiting Period	90 days	90 days	90 days	90 days
Maximum Duration	Social Security Normal Retirement Age	Social Security Normal Retirement Age	Social Security Normal Retirement Age	Social Security Normal Retirement Age