Voluntary Short-Term Disability Insurance
Short-Term Disability insurance (STD) is offered through The Standard and pays a percentage of your earnings should you become temporarily disabled, meaning you are not able to work for a short period of time due to giving birth, illness or injury.
- Coverage pays 60% of your eligible weekly earnings, up to a maximum benefit of $1,000 per week.
- Your benefits begin on the 8th day after the illness began or the injury occurred.
- You pay 100% of the premium for this coverage through payroll deductions.
- Short-Term Disability benefits are payable for up to 13 weeks.
- If you do not enroll when first eligible, and elect this benefit at a later date, there will be an extended elimination period of sixty (60) days applied to sickness and maternity for the first 12 months of coverage.
- UKG Pro will assist in calculating the bi-monthly cost of Short-Term Disability coverage based on your age, earnings and benefit amount.
Lemek LLC Voluntary STD 2025
Voluntary Long-Term Disability Insurance
Long-Term Disability insurance (LTD) is offered through The Standard and protects an employee from loss of earnings in the event he or she is unable to work for a long period of time due to an illness or injury.
- Coverage pays 60% of your eligible monthly earnings, up to a maximum benefit of $7,500 per month.
- Your benefits begin after 90 days of continuous disability.
- Long-Term Disability benefits has a preexisting condition of 3/12. This means a disability that occurs within the first 12 months of the policy effective date that is due to a preexisting condition during the three-month period just before your insurance becomes effective will not be covered.
- You pay 100% of the premium for this coverage through payroll deductions.
- Long-Term Disability benefits are payable until age 65 if disabled prior to age 62. If you become disabled at age 62 or older, the benefit duration is determined by your age when disability begins. See the Long-Term Disability Benefit Summary for more details.
- If you are enrolling after your initial benefit eligibility period, an Evidence of Insurability (EOI) health questionnaire will be required.
- UKG Pro will help you calculate your monthly and bimonthly cost of Long-Term Disability coverage based on your age, earnings, and benefit amount.
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