Page 17 - 2018 VER Benefit Guide

Disability

Disability insurance offers income replacement if you are disabled due to
illness or injury.

Short Term Disability

Short term disability coverage provides 60% of your base weekly earnings
to a maximum of $1,500. Beneits will begin on the 15th day of an illness
or injury and continue for a period of time not to exceed 11 weeks.

State Mandated Disability

There are ive states—California, Hawaii, New Jersey, New York, and
Rhode Island—which require employees to be covered by state-mandated
disability. If you reside in one of these states and experience a short term
disability, you will need to ile for beneits through the state as well as
through Cigna.

Long Term Disability

Long term disability coverage provides a beneit equal to 50% of your
base monthly earnings. Employees have the option to elect additional

coverage up to 60% of your base monthly earnings. Beneits will be
capped at $10,000 for the VER and employee paid coverage combined.
Beneits are payable after a 90-day waiting period and will continue
for a period of 24 months if you are totally disabled from your own
occupation.

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