Life and AD&D
This benefit is paid for 100% by The Standard. There is no cost to you, the employee.
The Standard provides employees with group short-term and long term disability coverage for those unexpected situations that may keep you from performing the daily responsibilities of your job. Your disability plan is available to help supplement your income when you are not able to continue employment for a certain period of time. Short-term and/or long-term disability benefits may be reduced by benefits received from state disability or temporary worker’s compensation programs. Total benefits received from the policy, state disability, temporary worker’s compensation programs and employers sick pay may not exceed 100% of your income prior to your disability. Short-Term Disability You will need to satisfy a 14-day elimination period. Benefits for short-term disability would begin on the 15 th day. This elimination period can be satisfied with days of partial disability, total disability or a combination of both. If you are totally disabled beyond the elimination period due to a covered injury or sickness, you will be eligible to receive a monthly benefit equal to 60% of your basic monthly income, up to $1,000 per week. Long-Term Disability You will need to satisfy a 90-day elimination period before long-term disability benefits would begin. This elimination period can be satisfied with days of partial disability, total disability or a combination of both. If you are totally disabled beyond the elimination period due to a covered injury or sickness, you will be eligible to receive a monthly benefit equal to 60% of your basic monthly income, up to $10,000 per month.
Refer to the Symetra plan documents for a complete description of this plan.
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