Page 15 - KNCH Benefits Guide 2019 v3

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 after 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 after 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.

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