Disability

Types of Coverage

Disability benefits are intended to replace part of your income if you are unable to work due to a non-work-related accident or illness. There are several elements of this coverage, which are designed to work together:

• Short-Term Disability (STD)
  
  • Company-Paid STD
  • Voluntary STD Buy-up
• Puerto Rico STD
  
  • State-Mandated STD
  • Company-Paid STD
• Long-Term Disability (LTD)
  
  • Coworker-Paid LTD

Note: If you aren’t actively working when your disability coverage is set to begin, your coverage will start the day after you return to active employment.

Short-Term Disability (STD)

Who's Eligible

• Benefits eligible United States Coworkers

Company-Paid STD

You are automatically enrolled in STD coverage, and it is a company-paid benefit — no cost to you. If you're out of work due to a qualifying illness, injury, or pregnancy and it has been approved by Voya:

• Your disability benefits begin after a 7-day waiting period
• STD pays 50% of your weekly earnings for up to 26 weeks‍
• STD coverage during the period of a birth-related event pays 100% of your weekly earnings

Voluntary STD Buy-Up

Voluntary STD Buy-Up is 100% Coworker-paid. The coverage provides the option to buy additional STD insurance to replace income when you are unable to work due to a qualified injury, illness, or pregnancy.

• You may purchase up to 20% more coverage, increasing your total STD benefit to up to 70% of your eligible earnings

Benefit Cost

Long-Term Disability (LTD)

Who's Eligible

• Benefits eligible United States and Puerto Rico Coworkers

Coworker-Paid LTD

LTD pays 60% of your monthly pre-disability earnings if your disability continues beyond the STD period and you're approved by Voya for LTD benefits:

• Your LTD benefits begin on the 181st day of the disabling condition
• There are two levels of coverage:
  
  • Two-Year Period — Benefits for a two-year period
  • To Age 65 — Benefits to age 65*

* Benefits may continue beyond age 65. Refer to the separate LTD Benefit Summary for details.

Benefit Cost

Puerto Rico STD

Who's Eligible

• All Puerto Rico Coworkers

State-Mandated SINOT

The state-mandated Puerto Rico Disability Benefits Act, better known as SINOT (Seguro por Incapacidad No Ocupacional Temporal), applies to all Puerto Rico Coworkers. SINOT determines your eligibility, benefit amount, and maximum benefit period based on the wages you earn during a base year. Benefits are payable directly from the Department of Labor. SINOT premiums are deducted from your paychecks on an after-tax basis.

Company-Paid STD

You are automatically enrolled in STD coverage, and it is a company-paid benefit — no cost to you. If you experience a qualified injury, illness, or pregnancy and are unable to work, and it has been approved by Voya:

• Your disability benefits begin after a 7-day waiting period
• STD pays 60% of your annual base salary (weekly maximum $500) for up to 25 weeks
• Company-paid benefit covers what the state SINOT program does not cover

Benefit Cost