Disability Insurance

Short Term Disability (STD)

We provide short term disability insurance at no cost to full-time US employees through Principal. STD kicks in after 2 weeks of being unable to work. You may use Paid Time Off during the 2 week waiting period. STD provides 60% of your pre-disability earnings up to $2,500/week for a maximum of 11 weeks. The disability benefit is not taxable.

An employee who gives birth receives 4 weeks of short term disability for a natural birth and 6 weeks of short term disability for a c-section if parental leave is taken immediately following the birth.

Long Term Disability (LTD)

We provide long term disability insurance at no cost to full-time US employees through Principal. LTD kicks in after 90 days (which is when STD ends.) It provides 60% of your pre-disability earnings up to $10,000/month. The disability benefit is not taxable.

Qualifying for Disability Payments

In order to qualify for disability payments, you must work until your doctor determines that you are unable to work.

Therefore, you are unable to receive disability payments if you are on an unpaid leave of absence when you become disabled, if you are pregnant and decide to start maternity leave before your doctor says it’s medically necessary, or if you have otherwise stopped working before your doctor deems it necessary.