Short-term Disability Insurance

Would you be surprised to learn that most disabilities come from things like pregnancy, or common medical issues like back problems and digestive problems?

What if you heard that medical bills or illness contributed to more than 62 percent of personal bankruptcies in 2007?¹

Short-term Disability (STD) Benefits

PEF Membership Benefits STD Plan helps replace your weekly earnings if you're disabled and can't work. Disability benefits are payable:

1. 1st day of an accidental bodily injury

2. 8th day of a sickness when the date of disability occurs later than 12 months after this Short-term disability plan goes into effect.

(Disability due to sickness when the date of disability occurs within the 12 month period immediately following the effective date of this Short-term Disability Plan will not be covered.)

Benefits continue for up to 26 weeks. The plan provides weekly benefits of $100, $200, $300, $400 or $500 depending on the option you select.

Definition of Disability

Disability is defined as the inability to engage in the essential duties of your occupation due to accidental bodily injury, sickness, mental illness, substance abuse or pregnancy.

Important Advantages

Your PEF Membership Benefits STD plan includes the following additional features.

1. Premiums are paid through the convenience of payroll deduction.

2. Benefits are paid if you are absent from work while insured, as a result of either job related or non-job related injury or illness. You must be under the care of a legally qualified physician.

3. Your STD benefit will not be reduced by other income even though you may be entitled to sick leave pay, or have other insurance coverage.

4. Benefit payments are not subject to federal income tax.

For more information, including plan costs and FAQs, download the Short-term Disability Insurance Brochure [PDF].

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -