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Disability Income Insurance

Short Term Disability protection replaces 60% of earnings in the event of a disability, after 30 days of becoming disabled, and continues until the disability ends, or for 9 weeks, whichever occurs first. As of January 1, 2009, the cost for this coverage is 19 ¢ per $100 of monthly salary.

Long Term Disability protection replaces 60% of earnings in the event of a disability, after 90 days of becoming disabled. For employees under the age of 62 at the time of disability, the benefit will continue until the disability ends or until age 67, whichever is first. Employees age 62 or above at the time of disability have specific maximum periods of payment which are detailed in the plan booklet. As of January 1, 2009, the cost for this coverage is 39 ¢per $100 of monthly salary.