VOLUNTARY
SHORT TERM DISABILITY
Directions for Living offers you the option to purchase short term disability (STD) insurance. Short Term Disability is insurance for your paycheck should you become disabled due to injury or illness for a period of time.
WHEN WOULD THE BENEFIT START? Benefits would begin on the 30 th day from injury or illness.
HOW MUCH WOULD THE BENEFIT PAY? The benefit would pay 60% of your weekly pre-disability earnings to a maximum of $1,000.00.
HOW LONG WILL THE BENENIT PAY? The benefit would pay out to a maximum of 9 weeks.
WHAT WOULD BE A PRE-EXISITING CONDITION? If you become disabled due to injury or illness during the first 12 months of coverage , that disability will not be covered if you were treated or diagnosed with a condition contributing to the disability in the 3 months prior to your effective date of STD coverage. WHEN WOULD I NEED TO SHOW EVIDENCE OF GOOD HEALTH TO GET LIFE INSURANCE? If you elect coverage outside your newly eligible period you will be required to provide Evidence of Insurability (EOI). Completed EOIs should be submitted to Aetna directly, the fax number is listed on the form. LONG TERM DISABILITY
Directions for Living provides you with long term disability (LTD) insurance. Long Term Disability is also insurance for your paycheck should you become disabled.
WHEN WOULD THE BENEFIT START? Benefits would begin on the 90 th day from injury or illness.
HOW MUCH WOULD THE BENEFIT PAY? The benefit would pay 60% of your monthly pre-disability earnings to a maximum of $4,000.00.
HOW LONG WILL THE BENENIT PAY? The benefit would pay out until normal Social Security Normal Retirement Age.
Directions for Living pays 100% of the cost for Long Term Disability coverage. This benefit is at NO COST TO YOU.
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