Page 19 - TCM EE Guide 2019 v2 Non CA FINAL
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Disability








         If you are unable to work due to an illness or injury, our disability plans will work together to provide a source of
         income to meet your needs. Disability insurance provides benefits that replace part of your lost income when you
         become unable to work due to a covered injury or illness.




           California State Disability
           If you experience a Short Term Disability claim, you are eligible for benefits provided by the state. California
           State Disability Insurance (SDI) is a partial wage-replacement insurance plan for California workers. The SDI
           program is state-mandated and funded through employee payroll deductions. SDI provides short term
           benefits to eligible workers who suffer a loss of wages when they are unable to work due to a non-work-
           related illness or injury, pregnancy, or childbirth. For more information on eligibility, benefit amounts, and
           instructions on how to file a claim for the SDI program please visit the EDD website at www.edd.ca.gov.




         Cigna | Voluntary Short Term Disability                Short Term Disability               Benefit
         If you reside in California and your annual salary     Benefit Percentage                     60%
         exceeds $110,000 you may receive richer benefits
         than provided by California State Disability by       Weekly Benefit Maximum                 $1,500
         purchasing Short Term Disability (STD).  This plan will
         provide temporary income replacement if you           When Benefits Begin              Day 8 for Accident
         become disabled due to accident, sickness, or                                          Day 8 for Illness
         pregnancy.                                            Maximum Benefit Duration             12 Weeks


         Cigna | Voluntary Long Term Disability                  Long Term Disability               Benefit
         Teacher Created Materials offers you the opportunity     Benefit Percentage                    60%
         to purchase Long Term Disability (LTD) to provide
         income replacement if you become disabled for an      Monthly Benefit Maximum                $5,000
         extended period of time.NG TERM DISABILITY
         BENEFIT                                               When Benefit Begin                    91st Day
                                                                                                To Social Security
                                                               Maximum Benefit Duration        Normal Retirement Age




           My Secure Advantage
           To supplement our Life/AD&D and Disability plans, Cigna offers My Secure Advantage at no cost to you. My
           Secure Advantage is a full-service financial wellness program offered to you, the members of your household,
           and your Life/AD&D insurance beneficiary(ies). The program includes 30-days of “money coaching,” identity
           theft resolution/protection services, and tools/resources for preparing wills and other important legal
           documents.

           Getting Started
           Through an easy-to-use portal, you can communicate with your Money Coach, view educational webinars, and
           access a library of financial tools, forms and tips. Go to www.cigna.mysecureadvantage.com, or speak to a
           representative by calling (888) 724-2262.







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