Time away from work for a pregnancy or unexpected illness or injury could mean months without a paycheck. Disability insurance replaces a portion of your income to help maintain your standard of living if you’re unable to work.
How the Plans Work
You’re automatically enrolled in Short-Term Disability (STD) and Long-Term Disability (LTD) at no cost to you. Here’s what else you need to know:
- STD benefits kick in if you can’t work for 30 continuous days because of a disability, including pregnancy. STD benefits may pay up to 66.67% of your salary ($1,200 weekly maximum) for up to 22 weeks.
- If you are still disabled after 22 weeks, LTD benefits kick in. LTD benefits replace up to 66.67% of your salary ($5,000 monthly maximum) until you no longer meet the definition of disabled or reach Social Security Normal Retirement Age.
The insurance company—Cigna—is responsible for reviewing claims and determining eligibility for benefits.