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 your first 30 days as a new hire, 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-provided)	Long-term disability (company-provided)	Long-term disability buy-up
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	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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