Long-Term Disability

If you are ill or injured for more than 180 days, you may be eligible for long-term disability (LTD) benefits. The Company provides you with basic coverage automatically, and you have the option of purchasing additional coverage:

Basic LTD provides a benefit of 40% of your covered base monthly salary. You may buy-up an additional 20% to 60% of your covered base monthly salary. The monthly benefit maximum is $15,000 total (combined for Basic and Buy-up LTD).

You must work 20 or more standard hours per week to receive Company-paid coverage. You can enroll in buy-up LTD coverage at any time. However, you must provide evidence of insurability if you enroll outside of the 31-day new hire/newly eligible grace period.