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Benefits

Disability Insurance

Cigna | Voluntary Short Term Disability Insurance

Confie offers you the opportunity to purchase Short Term Disability (STD) to provide income replacement if you become disabled
due to accident, sickness or pregnancy, through Cigna. If you experience a temporary disability, benefits begin 14 days after the
start of your disability and will continue up to a maximum of 26 weeks.

• California Employees: California State Disability provides a benefit of 55% of your pre‐disability earnings up to a maximum
benefit set by the state of California. This plan pays in addition to California State Disability an additional 20% of your pre‐
disability earnings up to a maximum benefit of $2,000 per week.

• All Other Employees: This plan works with state disability programs, Social Security, and any other group disability coverage,
to provide you with a combined monthly benefit equal to 60% of your pre‐disability earnings up to a maximum benefit of
$2,000 per week.

Since you contribute to the cost of this coverage, the benefits you receive should be free of both state and federal income tax. Consult
your tax advisor for more information.

All disability benefits are for non-occupational injuries while you are away from work.

SHORT TERM DISABILITY HOW TO CALCULATE THE COST OF YOUR COVERAGE

Multiply your weekly earnings by the premium from the age
AGE Monthly Premium Rate
(per $10 of your weekly covered bene‐ table to the left; divide by 10, and multiply again by the ben‐
fit) efit percentage (CA 20%; Non-CA 60%). See example below

< 25 $0.67 Example Employee
Age: 38 Annual Earnings: $37,000; Weekly Avg $711.53
25-29 $0.70
CA Based Non-California
30-34 $0.72
Weekly Earnings: $711.53 Weekly Earnings $711.53
35-39 $0.65 x Age Rate: $0.65 x Age Rate: $0.65

40-44 $0.70
/ $10: = $46.25 / $10: = $46.25
45-49 $0.86 x Benefit % 20% x Benefit % 60%

50-54 $1.06 = Mo’ Premium $9.25 = Mo’ Premium $27.75

55-59 $1.30 Weekly Benefit: $142.31 Weekly Benefit: $426.91

+ State Disability: $391.34
60+ $1.54 = Total Benefit: $533.65

Please refer to your Certificates of Coverage for more specific definitions and exclusions of your Short and Long Term Disability
policies.

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