We offer three types of disability insurance:
- Short-term disability (STD)—you are automatically enrolled* at 60% coverage level or can choose 70% buy-up coverage, costs correspond to your coverage level
- Basic long-term disability (LTD)—you are automatically enrolled, no cost to you
- Supplemental LTD—you can choose buy-up coverage
*You may chose to opt-out of coverage. If you opt-out during your initial eligibility window, you will be subject to the pre-existing conditions should you enroll in the future. See below for details.
"A few years ago, I learned I had a major heart condition during a routine appointment. After surgery to repair it, I doubled down on a heart-healthy lifestyle—eating a balanced diet, paying attention to my medication, getting regular exercise, attending health webinars and managing my stress through music."
Photo and quote: Rome Guillermo, Configuration analyst II, Musician