Income Protection

Disability coverage protects a portion of income when you cannot work.

Feature	Detail
Carrier	The Hartford
Paid By	BearCom
Income Replacement	60%
Maximum Benefit	$500 per week; buy-up to $1,500 maximum per week
Elimination Period	14 days
Maximum Benefit Period	11 weeks

Carrier

Paid By

Income Replacement

Maximum Benefit

Elimination Period

Maximum Benefit Period

You should only consider buying up if your annual income is $43,333 or more.
Certain exclusions, along with pre-existing condition limitations, may apply. See your plan documents or Human Resources for details.
Outside salespeople are not eligible for short term disability due to unlimited PTO. Contact HR for further details.

Feature	Detail
Paid By	Employer
Income Replacement	60%
Maximum Benefit	$10,000 per month
Elimination Period	90 days
Maximum Benefit Period	2 years own occupation; if you are still disabled after that, payments will last until you reach your Social Security Normal Retirement Age.

Paid By

Income Replacement

Maximum Benefit

Elimination Period

Maximum Benefit Period

Detail: 2 years own occupation; if you are still disabled after that, payments will last until you reach your Social Security Normal Retirement Age.

Long Term Disability (LTD) benefits are available at no cost.
Certain exclusions, along with pre-existing condition limitations, may apply. See your plan documents or Human Resources for details.

Coverage	SEMI-MONTHLY COMPOSITE RATE
Buy-Up Disability	$0.08 per $10 of Weekly Benefit

Buy-Up Disability