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Disability Income Protection

Disability coverage protects your income when illness or injury prevents you from working. There are two types of coverage: Short-Term Disability (STD), if available at your location and Long-Term Disability (LTD). You also have the option to buy Critical Illness or Accident insurance.


Short-Term Disability (STD) coverage provided by Unum may be available for active employees between the ages of 17 and 69. Your Benefit Coordinator can tell you if this coverage is available at your location.. Three coverage options may be available:

Option 1 Option 2 Option 3
Up to $400 per month Replaces up to 30% of
monthly income
Replaces up to 60% of
monthly income
Maximum benefit of $3,000 per month
If you are disabled for at least three months, you may be eligible for Long-Term Disability (LTD) benefits.

COST OF COVERAGE: If you enroll for STD coverage, you pay the full cost with after-tax dollars. If you become disabled, the benefits you receive are not taxable. STD coverage is portable—that means you can continue coverage if you leave your employer by paying premiums directly to Unum.

For details, see the information in the Voluntary Protection Benefits section of the Benefits Gateway ( hrbenefits). To enroll, call TriBen at 1.888.264.2147, Option 8.


If you purchase this coverage and Unum determines that you have a qualifying illness or injury, benefits may begin after 14 days of continuous disability. This benefit may be reduced by income you receive from other sources, and benefits may not be provided if you have a pre-existing condition. Benefits will continue for the duration of your disability for up to a maximum of three months.


Your employer pays the full cost of this coverage that begins to pay benefits after 90 days of continuous disability. Cigna Group Insurance can provide a booklet that explains the plan in detail. While you are totally disabled, the Plan will replace up to 60% of your monthly earnings up to $9,200 per month. This benefit is taxable. LTD benefits are reduced by income you receive from other sources, such as Social Security or Workers’ Compensation. To qualify for benefits, you must be considered disabled. For the first three years of disability, you must be under the care of a licensed physician and completely unable to do your regular job. After three years, you must be unable to perform the duties of any job for which you are, or could become, qualified for by education, experience, or training. Benefits may not be available if you have a pre-existing condition. Benefits will be paid while you remain disabled as determined by the insurance carrier. Benefits will end if you recover, reach the maximum benefit and or die, whichever occurs first.