This estimator will help you evaluate your needs by estimating your weekly short term disability benefit.

Review STD Plan Options

Now that you know your estimated weekly STD benefit, review the Options below to determine which one is best for you.

Option 1 - Flat Benefit

Option 1 pays a flat $250 benefit per week after 7 calendar days of disability. The minumum benefit you will receive is $100 per week. The minimum benefit pays in the event you are eligible for deductible income.

Option 2 - 7 Day Waiting Period

Option 2 pays your weekly benefit less deductible income after 7 calendar days of disability. The minimum benefit you will receive is $100 per week. The minimum benefit pays in the event you are eligible for deductible income.

Option 3 - 14 Day Waiting Period

Option 3 pays your weekly benefit less deductible income after 14 calendar days of disability. The minimum benefit you will receive is $100 per week. The minimum benefit pays in the event you are eligible for deductible income.

Option 4 - 30 Day Waiting Period

Option 4 pays your weekly benefit less deductible income after 30 calendar days of disability. The minimum benefit you will receive is $100 per week. The minimum benefit pays in the event you are eligible for deductible income.

Option 5 - 45 Day Waiting Period

Option 5 pays your weekly benefit less deductible income after 45 calendar days of disability. The minimum benefit you will receive is $100 per week. The minimum benefit pays in the event you are eligible for deductible income.

For All Options

• The maximum period in which you may receive benefits is 90 days. The 90 days includes the number of days in the benefit waiting period you selected.
• You must exhaust all all but 80 hours of accrued paid leave time and satisfy the benefit waiting period before STD benefits are payable.

Once you know how much disability income protection you should have, find out how many sick leave/PTO hours it will cost by using the Premium Calculator.