STD coverage, through Guardian, provides you with a portion of income replacement if you are unable to work due to a non-occupational illness or injury. You are automatically enrolled in the Basic STD plan at NO COST to you. You may elect to enroll in an STD Buy-up plan as a supplement to the Basic STD plan. Buy-up STD premiums are payroll deducted. Benefits are available after a 7-day elimination period.
STD benefits may be offset by benefits you receive from state-mandated disability plans in California, Colorado, Connecticut, Delaware, Hawaii, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New York, Oregon, Puerto Rico, Rhode Island, Washington, and Washington DC. In some states, you are responsible for applying at the appropriate state agency.
| STD Plans | Percent of Base Weekly Salary | 66.67% Weekly Maximum |
|---|---|---|
| Basic STD (Company-Paid) | 100% – first 8 weeks 66.67% – next 17 weeks |
17 weeks |
| Buy-Up STD (Employee-Paid) | 100% – first 16 weeks 66.67% – next 9 weeks |
9 weeks |
LTD coverage, through Guardian, pays you a portion of your earnings if you cannot work for an extended time due to a disabling illness or injury. You are automatically enrolled in the Basic LTD plan at NO COST to you. A LTD Buy-up plan is also available. Buy-up LTD premiums are payroll deducted. Benefits are available after a 180-day elimination period.
LTD benefits are reduced by other sources of disability income you may qualify for, such as Social Security and Workers’ Compensation.
| LTD Plans | Percent of Base Monthly Salary | Monthly Maximum |
|---|---|---|
| Basic LTD (Company-Paid) | 50% | $10,000 |
| Buy-Up (Employee-Paid) | 60% | $15,000 |