Disability

Disability insurance provides financial protection if you’re unable to work due to illness or injury. It replaces a portion of your income, helping you manage everyday expenses and maintain stability while you recover. Short Term Disability (STD) typically covers temporary conditions, while Long Term Disability (LTD) offers extended support for more serious or long-lasting health issues. This coverage offers peace of mind, ensuring you’ll still receive a steady income if the unexpected happens.

Plan Documents

Plan Contacts

Short Term Disability (STD)

Class 1A:

You are eligible to receive STD benefits if you are an active hourly non-union employee and have been disabled 0 calendar days for immediate hospitalization or 7 calendar days for sickness.
Replaces up to 66.67% of your eligible income, up to a maximum of $750 per week.
Benefits end after 26 weeks

Class 1B:

You are eligible to receive STD benefits if you are an active salary non-union employee and have been disabled 0 calendar days for immediate hospitalization or 7 calendar days for sickness.
Injury: Week 1-8: 100% of basic weekly earnings; Week 9-26: 75% of basic weekly earnings.
Sickness: Week 2-8: 100% of basic weekly earnings; Week 9-26: 75% of basic weekly earnings.
Benefits end after 26 weeks

Long Term Disability (LTD)

Class 2:

You are eligible to receive LTD benefits if you are an active full-time management employee, after the greater of the end of Short-Term Disability or 180 days.
Replaces up to 66.67% of your eligible income, up to a maximum of $10,000 per month until you recover or reach your Social Security Normal Retirement Age, whichever is sooner.

Class 2:

You are eligible to receive LTD benefits if you are an active full-time employee, excluding the president, vice president, vice chairman, and management employees, after the greater of the end of Short-Term Disability or 180 days.
Replaces up to 66.67% of your eligible income, up to a maximum of $6,000 per month until you recover or reach your Social Security Normal Retirement Age, whichever is sooner.