Disability
Disability insurance provides financial protection if you’re unable to work due to illness or injury. It replaces a portion of your income, helping you manage everyday expenses and maintain stability while you recover. Short Term Disability (STD) typically covers temporary conditions, while Long Term Disability (LTD) offers extended support for more serious or long-lasting health issues. This coverage offers peace of mind, ensuring you’ll still receive a steady income if the unexpected happens.
Short Term Disability (STD)
Regular Full Time with more than 1 year of service
- 100% salary continuation* for up to 4 weeks
- 60% salary continuation* up to 8 additional weeks
- Regular Full Time with less than 1 year of service
- 60% Salary Continuation* for up to 12 weeks
*All payments are offset by State Disability/Workers Compensation
Long Term Disability (LTD)
Provides coverage after a 90-day elimination period.
- Contact New York Life to file your LTD claim at 800-362-4462
- Replaces 66 2/3% of your monthly salary ($15,000 monthly maximum)
- Pre-existing conditions apply
*All payments are offset by State Disability/Workers Compensation