Disability Coverage

SHORT-TERM DISABILITY
LONG-TERM DISABILITY

We are pleased to provide you with Short-Term and Long-Term Disability Coverage.

Short-Term Disability

All full-time employees receive a Short-Term Disability benefit paid at no cost through Principal.

In the event you become disabled from a non-work-related injury or sickness, disability income protection benefits are provided as a source of income. You are not eligible to receive disability benefits if you are receiving workers’ compensation benefits. Disability benefits protects your paycheck and replaces a portion of your income if an injury or illness forces you out of work for an extended period of time.

Additional Information

Principal Short Term Disability Summary
File an STD Claim

Important Notes:

  • Benefit Amount - 60% of weekly salary
  • Benefit Max - Up to $1,000/week
  • Elimination Period (waiting period)

      - Accident - 0 days

      - Illness - 7 days

  • Benefit Duration - 13 weeks (less elimination period)
  • No pre-existing condition exclusions
  • Pregnancy Benefit

     - Vaginal Delivery - 6 weeks

     - Cesarean Section - 8 weeks

Long-Term Disability

Liaison offers all full-time employees a Long-Term Disability benefit at no cost through Principal.

In the event you become disabled from a non-work-related injury or sickness, disability income protection benefits are provided as a source of income. You are not eligible to receive disability benefits if you are receiving workers’ compensation benefits. Disability benefits protects your paycheck and replaces a portion of your income if an injury or illness forces you out of work for an extended period of time.

Additional Resources

Principal Long-Term Disability Plan Summary

Important Notes:

  • Benefit Amount - 60% of monthly pay
  • Benefit Maximum - $6,000/month
  • Pre-existing conditions: 3 months prior / 12 months insured
  • Elimination Period (waiting period) - 90 days
  • Benefit Duration - age 65/social security normal retirement age (SSNRA)
Continue to Employee Assistance Program