Disability
If you are unable to work, disability insurance can help replace your income so you can pay your bills and protect your savings.
Disability Insurance
An unexpected injury or illness can create a financial burden.
Disability insurance replaces a portion of your income when you experience a qualifying disability and are unable to work.
Note: Disability benefits are reduced by other income you receive, such as Social Security, state disability benefits, pension benefits and Workers’ Compensation.
Qualifying Disability
“Disability” means any physical or mental condition arising from a non-occupational injury, illness or pregnancy that renders a member incapable of performing the material duties of his or her regular occupation or any reasonably related occupation, and incurring a loss of at least 20% of his or her predisability earnings.
Reliance Matrix
How Disability Insurance Works
| First 7 days | use PTO and receive... | 100% of your regular pay. |
| On day 8 | Short Term Disability... | will pay 60% of your weekly earnings up to $2,500 maximum up to, 180 days. |
| After 180 days | Long Term Disability... | will pay 60% of your monthly earnings up to $20,000 maximum* |
| * You will receive a portion of your monthly income for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever comes first. | ||
|---|---|---|
Short Term and Long Term Disability Insurance Cost
Short Term Disability (STD)
You automatically receive Short Term Disability coverage at no cost to you.
Long Term Disability (LTD)
You automatically receive Long Term Disability coverage at no cost to you.