If a covered illness or injury keeps you from working, Short Term Disability Insurance can replace part of your income while you recover. As long as you remain disabled, you can receive payments for up to 24 weeks.
Colorado River Union High School District
You’re generally considered disabled if you’re unable to do important parts of your job — and your income suffers as a result.
Voluntary Short-Term Disability Insurance Why is this coverage so valuable?
You can use the money however you choose. It can help you pay for your rent or mortgage, groceries, out-of-pocket Short Term Disability Insurance can pay medical expenses and more.
HOW DOES IT WORK? If a covered illness or injury keeps you from working, Short Term Disability Insurance can replace part of your income while you recover. As long as you remain disabled, you can receive payments for up to 24 weeks. You’re generally considered disabled if you’re unable to do important parts of your job — and your income suffers as a result.
you a weekly benefit if you have a covered disability that keeps you from working. WHY IS THIS COVERAGE SO VALUABLE? You can use the money however you choose. It can help you pay for your rent or mortgage, groceries, outof-pocket medical expenses and more.
Consider your weekly expenses WHAT’S COVERED? This insurance may cover a variety of conditions and injuries. Here are Unum’s top reasons for short term disability claims:1
• • • • •
Normal pregnancy Injuries (excluding back) Joint disorders Cancer Digestive disorders
14
Child care/elder care
_______
Mortgage/rent
_______
Utilities
_______
Medical costs
_______
Insurance
_______
(co-pays, medications) (health, life, car, home)
30-34
Total weekly expenses
$_______
1 Unum internal data, 2018. Note: Causes are listed in ranked order.
VOLUNTARY LIFE & ADD RATES 25-29
_______
(electric, water, cable, phone)
Unum internal data, 2018. Note: Causes are listed in ranked order.
Benefit Under 25
Transportation
(gas, car payments, repairs)
This plan does not cover pre-existing conditions. See the disclosure section to learn more. 1
$_______
Food
35-39
40-44
45-49
50-54
EN-1977 (6-20)
55-59
60-64
FOR EMPLOYEES
65-69
70-74
75+
$10,000.00
$0.84
$0.84
$0.94
$1.14
$1.34
$1.84
$2.64
$4.54
$5.84
$7.94
$2.34
$10.14
$20,000.00
$1.68
$1.68
$1.88
$2.28
$2.68
$3.68
$5.28
$9.08
$11.68
$15.88
$4.68
$20.28
$50,000.00
$4.20
$4.20
$4.70
$5.70
$6.70
$9.20
$13.20
$22.70
$29.20
$39.70
$11.70
$50.70
$100,000.00
$8.40
$8.40
$9.40
$11.40
$13.40
$18.40
$26.40
$45.40
$58.40
$79.40
$23.40
$101.40
$150,000.00
$12.60
$12.60
$14.10
$17.10
$20.10
$27.60
$39.60
$68.10
$87.60
$119.10
$35.10
$152.10
$200,000.00
$16.80
$16.80
$18.80
$22.80
$26.80
$36.80
$52.80
$90.80
$116.80
$158.80
$46.80
$202.80
$250,000.00
$21.00
$21.00
$23.50
$28.50
$33.50
$46.00
$66.00
$113.50
$146.00
$198.50
$58.50
$253.50
$300,000.00
$25.20
$25.20
$28.20
$34.20
$40.20
$55.20
$79.20
$136.20
$175.20
$238.20
$70.20
$304.20
$350,000.00
$29.40
$29.40
$32.90
$39.90
$46.90
$64.40
$92.40
$158.90
$204.40
$277.90
$81.90
$354.90
$400,000.00
$33.60
$33.60
$37.60
$45.60
$53.60
$73.60
$105.60
$181.60
$233.60
$317.60
$93.60
$405.60
$450,000.00
$37.80
$37.80
$42.30
$51.30
$60.30
$82.80
$118.80
$204.30
$262.80
$357.30
$105.30
$456.30
$500,000.00
$42.00
$42.00
$47.00
$57.00
$67.00
$92.00
$132.00
$227.00
$292.00
$397.00
$117.00
$507.00
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