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

Needs Estimator

1. Are you an hourly employee?
  If yes, proceed to question 2. If you are salaried, proceed to question 3.
2a. Enter your hourly wage
2b. Enter the number of hours you work per week
3. Enter your annual gross earnings
(earnings before deductions)
   

4. Your weekly STD benefit is
   


Review STD Plan Options

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 in 90 days. The 90 days includes the number of days in the benefit waiting period you selected.