Disability Coverage will help to ensure that plan members have a source of income should they become disabled and be unable to work while on or off the job for certain periods of time

• Short-term Disability – replaces a portion of the plan member’s salary for up to six months if he/she is unable to work due to illness or injury
• Long-term Disability – replaces a portion of the plan member’s salary for 2 years, 5 years, or up to age 65 if he/she is unable to work due to illness or injury, depending on the insurer and the plan