Disability coverage provides an income replacement benefit in the event you are unable to work due to a non-work-related illness or accident. Disability pays a benefit should you remain disabled and unable to work in the event of a catastrophic illness or injury. If you newly elect Short Term Disability or Long Term Disability coverage after your initial eligibility period, an Evidence of Insurability for medical underwriting is required. An EOI Form may be obtained from the benefits website or the Benefits Service Center.
Short Term Disability
Long Term Disability
Pre-existing conditions are excluded for the first 12 months of coverage. A pre-existing condition is one for which you have been diagnosed or treated within the prior 3 months before newly enrolling in the plan. Once you have been insured with Long Term Disability coverage for 12 months, no coverage restrictions apply.