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Voluntary Short-Term Disability Insurance
Colorado River Union High School District
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.
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 medical expenses and more.
Voluntary Short-Term Disability Insurance
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. Short Term Disability Insurance can pay 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.
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 This plan does not cover pre-existing conditions. See the disclosure section to learn more.
1 Unum internal data, 2018. Note: Causes are listed in ranked order. Consider your weekly expenses
Food $ _______
Transportation
(gas, car payments, repairs) Child care/elder care _______ Mortgage/rent _______ Utilities _______
(electric, water, cable, phone) Medical costs
(co-pays, medications) Insurance
(health, life, car, home)
Total weekly expenses $_______
VOLUNTARY LIFE & ADD RATES
1 Unum internal data, 2018. Note: Causes are listed in ranked order.
$10,000.00 $0.84 $0.84 $0.94 $1.14 $1.34 $1.84 $2.64 EN-1977 (6-20) $4.54 FOR EMPLOYEES $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
