Short and Long Term Disability

USACS provides a market-leading, Company-paid short and long term disability benefit. This coverage protects you financially in the event you cannot work as a result of a debilitating off-the-job injury or illness.

Short Term Disability (STD) Insurance

Short Term Disability (STD) benefits are available at no cost. This insurance replaces a percentage of your income if you become partially or totally disabled for a short time. Certain exclusions, along with pre-existing condition limitations, may apply. See your plan documents or the Human Resources Team for details.

WEEKLY MAXIMUM BENEFIT	Weeks 1–6: 100% of your weekly earnings. Weeks 7–13: 60% of your weekly earnings. Weeks 14–26: 60% of your weekly earnings, up to $2,307
ELIMINATION PERIOD	8 days
MAXIMUM BENEFIT PERIOD	26 weeks

Long Term Disability (LTD) Insurance

Long Term Disability (LTD) benefits are available at no cost. This insurance replaces 60% of your income if you become partially or totally disabled for an extended time. Certain exclusions, along with pre-existing condition limitations, may apply. See your plan documents or the Human Resources Team for details.

MONTHLY MAXIMUM BENEFIT	$10,000
ELIMINATION PERIOD	3 months
MAXIMUM BENEFIT PERIOD	Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.

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