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Short and long term disability insurance


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Short and long term disability insurance

  1. 1. Short and Long Term Disability Insurance<br />
  2. 2. What is it?<br />Short and Long term disability insurance is a benefit that each employee has that is paid for 100% by IPMM.<br />It is available in case of accident or illness that causes an employee to be out for a period of time.<br />Disability Insurance is a valuable coverage employers provide it as an employee benefit because it protects people's most valuable asset - their ability to earn an income when they are unable to work.<br />
  3. 3. Why go on Short Term Disability<br />You suddenly become ill that requires you to miss a significant amount of work<br />You are injured which prohibits you from being able to work<br />You have a planned surgery/medical procedure.<br />
  4. 4. Short Term Disability<br />
  5. 5. How it works - Sickness<br />
  6. 6. What about the first 7days?<br />The first 7 days you either <br />Don’t get paid<br />Use your vacation or PTO time to get paid<br />
  7. 7. How it works - Accident<br />
  8. 8. Long Term Disability<br />
  9. 9. How it works<br />
  10. 10. If you have additional Short Term or Long Term Disability <br />You can’t collect on both policies for their full benefit. You will only be paid a small portion from each policy.<br />