Short and long term disability insurance is fully paid by IPMM and provides income replacement for employees unable to work due to accident or illness. Short term disability covers absences from work for medical reasons like illness or injury requiring time off, or for planned medical procedures, while long term disability provides continued income for those unable to work for extended periods. Both short and long term disability aim to financially protect employees' ability to earn income when unable to work.

1. Short and Long Term Disability Insurance

2. What is it?Short and Long term disability insurance is a benefit that each employee has that is paid for 100% by IPMM.It is available in case of accident or illness that causes an employee to be out for a period of time.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.

3. Why go on Short Term DisabilityYou suddenly become ill that requires you to miss a significant amount of workYou are injured which prohibits you from being able to workYou have a planned surgery/medical procedure.

4. Short Term Disability

5. How it works - Sickness

6. What about the first 7days?The first 7 days you either Don’t get paidUse your vacation or PTO time to get paid

7. How it works - Accident

8. Long Term Disability

9. How it works

10. If you have additional Short Term or Long Term Disability You can’t collect on both policies for their full benefit. You will only be paid a small portion from each policy.