Disability

Emma was out of work for six weeks after the birth of her child. Fortunately, her Short Term Disability coverage paid a portion of her wages.

Benefits by the Numbers

• $950. Emma's weekly earnings insured before the disability
• 60% of paycheck supplemented by benefits
• $570. Weekly benefit amount 
• 7-day. Benefit waiting period 
• 5 weeks. Length of time Emma received benefits 
• $2,850. Total benefits paid

Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.

A severe car accident left Robert with back injuries that kept him at home for several months. Long Term Disability coverage replaced part of his income, which he put toward his car payment, groceries and birthday presents for his children. 

When Robert was ready, this benefit also helped him return to work sooner by paying his employer to install an adjustable desk and make other modifications. This allowed Robert to earn more by allowing him to return to work part-time while recovering and still receive a partial LTD benefit. 

Benefits by the Numbers Before Robert Could Work

• $4,000. Monthly earnings insured before the disability
• 60% of paycheck supplemented by benefits
• $2,400. Monthly benefit amount
• 90 days. Benefit waiting period
• 4 months. Length of time Robert received benefits
• $9,600. Benefits paid during total disability 

Benefits by the Numbers While Robert Transitioned Back to Work

• $2,180. Reasonable Accommodation Benefit paid to the employer for an adjustable desk
• $2,200. Robert's part-time monthly earnings after returning to work
• $1,800^*  Monthly benefit amount after returning to work
• 3 months. Length of partial disability
• $5,400 Benefits paid during partial disability
• $15,000. Benefits paid during partial disability

Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based on your individual circumstances, policy definitions, waiting periods, exclusions and limitations.

* Under the Return-to-Work incentive, for a period of time Robert's LTD benefit is not reduced until the amount of his work earnings, when added to his maximum LTD benefit, exceeds 100% of his insured predisability earnings. Robert's total income after working and collecting LTD benefits equaled his regular income of $4,000.

Parker was already managing a heart condition when their doctor diagnosed them with cancer. They could no longer work their construction job, with chemotherapy draining them both physically and financially. 

Parker also faced many unexpected expenses, including in-home care, a special diet and alternative medical treatment. The Standard helped Parker apply for Social Security Disability Income benefits, which they received. Fortunately, Parker’s Long Term Disability insurance also replaced some of their income. That meant they didn't have to tap into hard-earned retirement savings.

Benefits by the Numbers

• $5,125. Parker's monthly earnings insured before the disability
• 60% of paycheck supplemented by benefits
• $3,075. Monthly benefit amount
• $1,450 Less Social Security disability income
• $1,625 LTD benefit amount payable
• 180 days. Benefit waiting period
• 3 years, 2 months. Length of time Parker received benefits
• $61,750. Total benefits paid

Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based on your individual circumstances, policy definitions, waiting periods, exclusions and limitations.