Disability Insurance


Both short and long-term disability plans are voluntary options available to provide income replacement when an employee experiences a serious illness or injury. The premiums for disability are paid by the employee on an after-tax basis, so the benefit is not taxed when receiving the benefit. The short-term disability plan replaces 65 percent of pre-disability income for up to 180 days. Long-term disability provides 65 percent of pre-disability income replacement after 180 days.