What is Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your most valuable asset — your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

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Plan Rules:

• Eligibility: Eligible employees as described on page 2

• Coverage through OneAmerica

• Employee must be actively at work on the effective date of coverage

• NO HEALTH QUESTIONS EVERY YEAR! (Pre-existing condition will apply to new enrollees)

• Employees DO NOT have to exhaust sick leave. Employees can stop sick leave (if available) at the end of the elimination period. The decision must be made at the beginning of leave.

• Plan does not pay in addition to sick leave, HOWEVER: Short-Term Disability benefits are paid in addition to Paid Parental Leave (no offset).  This means Paid Parental Leave will not reduce or offset STD payments for maternity leave