b"Benefits for 2022Disability InsuranceShort Term DisabilityPlan FeaturesEmployee Benefit Amount 60%Maximum Benefit Amount $1,000Elimination Period (Accident) 0 DaysElimination Period (Sickness) 7 DaysBenefit Duration 13 WeeksSTD is a supplemental insurance policy that starts paying a weekly benefit after an elimination period (the time between your sickness or injury and the start of your benefits).STD is important to have if you don't have adequate savings to live weeks or months without a paycheck or if you have large debts that require substantial monthly payments.According to the Social Security Administration 66% of American employees live from paycheck to paycheck, without enough savings to cushion the financial impact a disability may cause. This benefit is provided at no cost to you.Voluntary Long Term DisabilityPlan FeaturesEmployee Benefit Amount 60%Maximum Benefit Amount $15,000Elimination Period 90 DaysBenefit Duration SSNALTD is another supplemental insurance policy that starts paying a monthly benefit that is designed to start paying you when your STD policy ends.LTD helps replace a portion of your wages should a sickness or injury prevent you from earning income in your occupation.A long-term disability can be devastating financially. According to the Social Security Administration, more than 25% of todays 20 year olds will become disabled before they retire.To be considered disabled under this plan for the first 24 months of your disability, your disability must prevent you from performing the material and substantial duties of your own occupation.After 24 months, if your disability prevents you from performing any occupation for which you are suited by education, training, and experience, benefits are payable to age 65 or such time you are no longer considered disabled.2022 Employee Benefit Guide This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance16carrier or providers contract."