Disability Insurance

The loss of income due to illness or injury can cause serious financial hardship for your family. Disability insurance replaces a portion of your income to help you meet your financial obligations during this difficult time.

Chubb provides short-term disability (STD) and long-term disability (LTD) insurance at no cost to you. During Annual Enrollment, you have the option to purchase additional LTD buy-up coverage, through New York Life, to include any earnings from your annual performance bonus or commissions in your LTD coverage.

No Evidence of Insurability (EOI) is required to purchase LTD buy-up during a new hire’s initial enrollment period, which means there’s no health assessment before being approved for coverage. Employees can elect LTD buy-up during the initial new hire enrollment or during Annual Enrollment. This coverage cannot be elected at a different time during the year.

Short-term disability (company-paid)	Long-term disability (company-paid)	Long-term disability buy-up (employee-paid)
Company-paid, automatic enrollment Benefits begin on day six of your disability and are retroactive to the first day of your disability Pays 60% or 100% of your salary (based on your length of service) for a maximum of 26 weeks Administered through ESIS (Note: New York Life administers and pays statutory disability benefits for employees in New York, New Jersey and Hawaii)	Company-paid, automatic enrollment Benefits begin after 26 weeks of disability Pays 60% of your annual base salary, up to a maximum of $25,000 per month Provided through New York Life	Employee-paid, you choose to enroll Benefits begin after 26 weeks of disability Pays 60% of your total compensation, including prior year bonus and/or commissions to receive up to a combined maximum (company-provided benefit plus buy-up) of $30,000 per month Provided through New York Life

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Annual Enrollment is your only opportunity to enroll in buy-up LTD insurance. You cannot add this coverage at any other time, even with a qualifying life event.

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