If you’re unable to work because of a non-work related illness or accident, these disability benefits can replace some of the income you’ll lose by not working:
Short-term disability (STD) - after you’ve been disabled for 14 days, this benefit replaces 60% of your weekly salary, up to $2,500. Benefits may last up to 11 weeks.
- There are no pre-existing condition exclusions with this benefit option. Proof of good health is required for late entrance.
Long-term disability (LTD) - if you are eligible, USG replaces 60% of your monthly salary, up to $15,000. Benefits start 90 days after disability begins and continues until you return to work, are no longer disabled, or are of normal Social Security retirement age.
- Important note: You may not be eligible for LTD benefits for 12 months if you received treatment for a condition within three months of when your disability coverage begins. There is no proof of good health requirement for this benefit.
Reporting Your Disability Claim