Income Protection

Plan Information

Often time people don’t insure what is probably their most valuable asset — their ability to work and earn income. If you become sick or are injured and can’t work, will you be able to pay your bills and maintain your standard of living? If you depend on your income to pay the bills, buying disability income insurance is an option you should consider

When an injury slows you down, you need more than just health coverage. That’s why Cigna helps with lost income while you’re out of work, and provides a dedicated team of coaches to help you get back to life and recover more quickly. Treating the whole you: That’s what you get with a partner.

If you decline enrolling in this benefit as a new hire, then an Evidence of Insurability (EOI) application will be required if you later choose to enroll in this benefit during an open enrollment period.

Contact Information

Carrier: CIGNA-Life Insurance Company Of North America

Website: https://www.cigna.com/

Phone: (800)-732-1603

Eligibility: All Fulltime Employees(>30 hours)

Make sure that you use the Cigna disability calculator to see how much coverage is right for you.

Short-Term Disability Insurance

PLAN DESIGNSHORT TERM DISABILITY
Short Term Disability Benefit Begin8th day
Benefits DurationFor a maximum of 13 weeks
Percentage of Income Replaced60% of weekly income
Maximum Benefit Payable$500 weekly
Pre-existing Condition Limitation3/12
AGERATE PER 10$/STD BENEFIT
18-240.43
25-290.37
30-340.38
35-390.41
40-440.56
45-490.69
50-540.77
55-591.14
60-641.50
65-701.75
70+1.75

See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.

Long-Term Disability Insurance

PLAN DESIGNLONG TERM DISABILITY
Long Term Disability Benefits Begin91st day
Benefits Duration (see policy on Oliver for maximum benefit period)To age 65 or Social Security Normal Retirement Age
Percentage of Income Replaced50% of monthly income
Maximum Benefit Payable$3,000 monthly
Pre-existing Condition Limitation3/12
AGERATE PER 100$/LTD BENEFIT
under 20.10
20-24.10
25-29.13
30-34.23
35-39.33
40-44.57
45-49.90
50-541.30
55-591.04
60-641.27
65-691.46
70+0.86

See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.

Voluntary Buy-up Long Term Disability

Employees wanting to supplement their long-term disability benefits may purchase additional coverage.

PLAN DESIGNVOLUNTARY BUY-UP LONG -TERM DISABILITY
Long Term Disability Benefits Begin91st day
Benefits PayableTo age 65 or Social Security Normal Retirement Age
Percentage of Income Replaced60% of monthly income
Maximum Benefit Payable$7,500 monthly

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