The Short-Term Disability (STD) plan
pays benefits
for up to 26 weeks as follows:
For claims beginning on or after January 1, 2014.
- Phase I (100% of pay) – maximum of 14 weeks
- Phase II (60% of pay) – maximum of 12 weeks
If your STD benefits run out but you’re still disabled and qualified for benefits, the Long-Term Disability (LTD) plan
begins paying benefits
at 50% of your pre-disability pay. Benefits will continue until your Social Security full retirement age, regardless of your date of hire, as long as you remain disabled.
For claims beginning on or after January 1, 2014.
The lifetime LTD maximum for these claims is
24 months
for all such conditions combined.
The 24-month lifetime maximum does NOT include:
If you are confined to a hospital or medical facility as a result of a disability related to mental illness, alcoholism or drug addiction at the time your 24-month lifetime maximum ends, you will remain eligible for LTD benefits for the remainder of your confinement and for up to 60 days after discharge, provided you remain disabled during that time.
- Disability periods where STD benefits were paid, or
- Claims that occurred or were established before January 1, 2013.