Overview

The loss of income due to illness or injury can cause serious financial hardship for your family. Disability insurance replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this difficult time.

What is considered a disability?

A disability is caused by a sickness or injury (other than a work-related injury) and also includes coverage for maternity leave. Your doctor and Unum will determine how long you should be out of work based on your condition. Your doctor will be required to submit medical documentation to certify your disability.

Receiving disability benefits

Remember that you may have other paid time off days you can use prior to when disability insurance begins to pay. Your disability insurance may have an elimination period that must be satisfied before you are eligible for benefits payment. An elimination period is the length of time between the beginning of your disability and the day your disability benefits start. Please see your local HR office.

How to Submit a Claim

Please notify your supervisor if you need to file a claim for disability. For details on the steps to take to submit a disability claim, refer to this step-by-step process.

Short-Term Disability

  • Coverage is automatic and company-paid; no need to enroll.
  • Benefits begin after the elimination period (if applicable).
  • See your local HR for your STD benefit duration.

STD benefits for salary employees:

  • Weeks 1–2: Pays 80% of your weekly earnings
  • Weeks 3–8: Pays 70% of your weekly earnings
  • Weeks 9–26: Pays 60% of your weekly earnings

STD benefits for hourly employees:

  • Pays 60% of your weekly earnings

Long-Term Disability

  • Coverage begins after you have been disabled for 26 weeks.

LTD benefits for salary employees:

  • Benefit is automatic and company-paid; no need to enroll.
  • Pays 60% of your monthly income, up to a maximum of $20,000 per month.

LTD benefits for hourly employees:

  • Enrollment is voluntary and paid by the employee.
  • Pays 60% of your monthly income, up to a maximum of $5,000 per month.

Disability benefits are subject to income that will reduce your Disability Insurance benefits such as Worker’s Compensation, Social Security, or other legally mandated programs.