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DISABILITY

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Short Term Disability

Short Term Disability Insurance provides income protection in the event you become disabled and are unable to work due to sickness or non-occupational injury, including pregnancy, for a short period of time.

Guardian
1 (888) 482-7342
www.guardianlife.com

Benefit Amount 66 and 2/3 percent of weekly earnings
Benefits Begin After 0 days for accident
7 days for illness
Maximum Weekly Amount $1,000
Maximum Benefit Period 26 weeks


This benefit is available the first of the month following 30 days of employment.

Long Term Disability

Long Term Disability Insurance provides income protection in the event you become disabled and are unable to work for an extended period of time.

Guardian
1 (888) 482-7342
www.guardianlife.com

Benefit Amount 60% of monthly earnings
Benefit Maximum $7,500 monthly
Definition of Disability After 24 months you are considered disabled if you are unable to perform material duties of any gainful occupation for which you are reasonably fitted by education, training or experience.
Benefits Begin After 180 days
Maximum Benefit Period To age 67 or if disabled at or after age 65 benefits payable according to an age-based schedule.
Pre-Existing Waiting Period  The policy will not cover any disabilities during the first 12 months after the covered person’s effective date of insurance that is caused or contributed by any sickness or injury for which the covered person sought treatment during the three months prior to the effective date of coverage. 


This benefit is available the first of the month following 30 days of employment.

ACTIVELY AT WORK PROVISION

Team Member Eligibility Requirements for Disability Insurance
You must be actively at work on the day coverage is scheduled to begin. If you are not actively at work on that day, coverage for you will begin once you have returned to work.

Informational Videos

 

Short-Term Disability Insurance

Short-Term Disability Insurance

Long-Term Disability Insurance

Long-Term Disability Insurance