Disability Insurance
Provided by: Guardian
Long-Term Disability (LTD) Plan - Non-Contributory
All active, full-time employees regularly working at least 30 hours per week are eligible for the long-term disability (LTD) plan. This plan is available to employees at no cost - EMM Loans pays 100% of the LTD premium.
| LONG-TERM DISABILITY (LTD) NON-CONTRIBUTORY PLAN | Benefit Details |
|---|---|
| Benefits Percent | 50% |
| Benefit Maximum | $1,300 per month |
| Duration | To SSNRA |
| Elimination Period | 180 days |
Long-Term Disability (LTD) Plan - Voluntary Buy-Up
All active, full-time employees regularly working at least 30 hours per week are eligible for the voluntary long-term disability (LTD) buy-up plan. Employees pay 100% of the cost for this plan.
| LONG-TERM DISABILITY (LTD) VOLUNTARY BUY-UP PLAN | Benefit Details |
|---|---|
| Benefits Percent | 60% |
| Maximum Benefit | $5,000 per month |
| Duration | To SSNRA |
| Elimination Period | 180 days |
Short-Term Disability (STD) Plan - Voluntary
All active, full-time employees regularly working at least 30 hours per week (excluding those working in New Jersey or California) are eligible for the voluntary short-term disability (STD) plan. Employees pay 100% of the cost for this plan.
| SHORT-TERM DISABILITY (STD) VOLUNTARY PLAN | Benefit Details |
|---|---|
| Benefits Percent | 60% |
| Maximum Benefit | $1,000 per week |
| Duration | 26 weeks |
| Elimination Period | Accident: 0 days Sickness: 7 days |
Evidence of Insurability (EOI) is required for LTD and STD if you did not enroll in coverage when you initially became eligible.