Disability Benefits Shor t-Term and Long-Term Disability insurance provides you with income protection if you are unable to work due to a non-work related illness or injury. MAA provides disability insurance through Lincoln Financial Group at no cost to eligible full time associates. Short-Term Disability Insurance (STD) If you are out of work due to a non-work related injury or illness, you have a seven day elimination (waiting) period before your benefits begin. During that time, you can use available Sick Time and/or Vacation. If your disability claim is approved by Lincoln Financial Group, your STD benefits will begin on the eighth day of absence, as indicated in the table below. STD benefits are paid to you by MAA, according to the normal biweekly payroll schedule. Long-Term Disability Insurance (LTD) In the event your disability continues beyond the duration of benefits for STD, your LTD benefits will be paid to you directly by Lincoln Financial Group as indicated in the following table.
Disability Plan When Benefits Begin
Duration of Benefits
Payments
Maximum
8th day of absence from work due to a non-work related injury or illness
26 weeks (includes 7-day elimination period) To age 65 or as determined by the plan
Shor t-Term Disability
60% of weekly earnings*
$2,000/week
Long-Term Disability
181st day of disabling condition
60% of monthly earnings*
$10,000/month
*Earnings are defined as base salary plus bonuses and/or commissions paid in the prior calendar year.
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