Page 15 - KNCH Benefits Guide 2019.pub
P. 15

DISABILITY INSURANCE



          CIGNA | VOLUNTARY SHORT TERM DISABILITY
          Available in FL, AZ, NV & TX
          Koeller, Nebeker, Carlson & Haluck offers you the opportunity to purchase Short Term Disability (STD) income replacement at
          discounted group rates, through Cigna. If you experience a temporary disability, benefits begin 7 days a er the start of your
          accident, sickness or pregnancy. Short Term Disability 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 $1,250 per week for up to 12 weeks.

          CIGNA | VOLUNTARY LONG TERM DISABILITY
          Available in all states
          Koeller, Nebeker, Carlson & Haluck offers you the opportunity to purchase Long Term Disability (LTD) income replacement at
          discounted group rates, through Cigna. If you become totally and permanently disabled, benefits begin 90 days a er the start of
          your illness or injury. Long Term Disability 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 to a maximum benefit of
          $15,000 per month.










                                                                                                                 15
   10   11   12   13   14   15   16   17   18   19   20