Disability Insurance

This insurance plan pays part of your salary if you become disabled and cannot work. Short- and long-term disability options are available, and you may select both types of coverage, which are administered through the Fort Dearborn Life Insurance Co.

If you sign up within your first 31 days of employment, you are guaranteed coverage and do not have to submit an evidence of insurability (EOI) application. If you have a qualifying life event (QLE), such as a marriage or a birth, you can apply, but an EOI is required.

Short- and Long-Term Disability Income Premiums

Short-Term Disability Income	$0.28/$100 of monthly salary
Long-Term Disability Income	$0.70/$100 of monthly salary

Short-Term Disability

Your benefit is up to 66 percent of your insured monthly salary (maximum $10,000) or $6,600, whichever is less. You will receive a smaller amount if you are receiving worker’s compensation, a disability retirement benefit or other disability benefits. It will always be at least 10 percent of your insured salary.

Benefits are paid to you for up to five months after you have been certified as totally disabled by an approved practitioner and have used all of your sick leave, extended sick leave and the sick leave pool – or completed the waiting period of 30 consecutive days, whichever is greater.

Long-Term Disability

Your benefit is up to 60 percent of your insured monthly salary (maximum $10,000) or $6,000, whichever is less.

You will receive a smaller amount if you are receiving Social Security disability, worker’s compensation, disability retirement or other group disability benefits. It will always be at least 10 percent of your insured salary.

The benefit is paid after an approved practitioner certifies that you are totally disabled and you have used all of your sick leave, extended sick leave and the sick leave pool – or completed the waiting period of 90 consecutive days, whichever is greater.

Benefits are paid to you up to the maximum benefit period, which depends on your age when you become totally disabled:

Long-Term Disability Benefits Based on Age

Younger than 60	Payable to age 65*
60-64	Payable for 60 months
65-69	Payable to age 70* or for 12 months, whichever is greater
70 and older	Payable for 12 months

*Benefits end the first day of the plan month after you reach this age.