The long-term disability program provides benefits when totally disabled and unable to work due to bodily injury or sickness. Long-term disability is available for full-time employees who are regularly scheduled to work 72 hours or more per pay period. It becomes effective the first day of the month following the employee’s first year of continuous, active full-time employment.

The plan pays up to 60 percent of an employee’s normal monthly earnings minus any disability payments from the government or other outside sources. There is no premium for long-term disability coverage.

The short-term disability program provides protection against loss of income in the event of prolonged illness, injury or maternity leaves of absence. Short-term disability is available to employees who are regularly scheduled to work 72 hours or more per pay period. It becomes effective the first day of the month following the employee’s first year of continuous active full-time employment. The plan pays up to 75 percent of an employee’s normal monthly earnings. There is no premium for short-term disability coverage.