VOLUNTARY SHORT-TERM DISABILITY (STD) 

If enrolled, short term disability insurance pays you part of your salary in the event of a non-occupational accident or illness which keeps you out of work. STD provides 60% of your weekly earnings up to a maximum benefit. The benefit begins on the 15th day of an accident/illness and continues until the earlier of recovery or 24 weeks. 

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VOLUNTARY LONG-TERM DISABILITY (LTD) 

If enrolled, long term disability insurance pays part of your salary in the event of a non-occupational injury or illness. The LTD benefit provides a monthly benefit of 60% of your monthly earnings up to a monthly maximum benefit. The benefit begins on the 181st day of continuous disability and continues until the earlier of recovery or five years. 

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Please note: If you decline the LTD insurance coverage when you are first eligible and you wish to elect at a later date, you will be subject to medical underwriting (evidence of insurability). 

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The plan has a “pre-existing condition” provision, which means if you received medical treatment or took prescription drugs for an injury or illness within three months of your effective date, that injury or illness may not qualify you for an LTD benefit. 

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This limitation will not apply to a period of disability which begins after an employee is covered for at least 12 months after his or her most recent effective date of insurance.