2026 Benefits
Income Protection
Employer-paid short and long-term disability insurance.
Income Protection Overview
Disability insurance helps replace a portion of your income if you're unable to work due to a non-work-related illness or injury. Both Short-Term and Long-Term Disability are fully employer paid.
Short-Term Disability (STD)
| Feature | Detail |
|---|---|
| Provider | New York Life |
| Cost | $0 — Fully employer paid |
| Income Replacement | 60% |
| Maximum Weekly Benefit | $2,800 |
| Elimination Period | 7 days |
| Maximum Duration | 12 weeks |
Provider
DetailNew York Life
Cost
Detail$0 — Fully employer paid
Income Replacement
Detail60%
Maximum Weekly Benefit
Detail$2,800
Elimination Period
Detail7 days
Maximum Duration
Detail12 weeks
Long-Term Disability (LTD)
| Feature | Detail |
|---|---|
| Provider | New York Life |
| Cost | $0 — Fully employer paid |
| Income Replacement | 60% |
| Maximum Monthly Benefit | $12,000 |
| Elimination Period | 90 days |
| Maximum Duration | Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner |
Provider
DetailNew York Life
Cost
Detail$0 — Fully employer paid
Income Replacement
Detail60%
Maximum Monthly Benefit
Detail$12,000
Elimination Period
Detail90 days
Maximum Duration
DetailPayments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner
Carrier Contacts
New York Life — STD
New York Life — LTD