Income Protection
You and your loved ones depend on your regular income. That’s why Charah offers disability coverage to protect you financially in the event you cannot work as a result of a debilitating injury or illness. A portion of your income is protected until you can return to work or you reach retirement age.
Basic Short Term Disability
| Feature | Detail |
|---|---|
| Carrier | Sun Life |
| Paid By | Available at no cost |
| Income Replacement | 50% |
| Maximum Benefit | $1,500 per week |
| Elimination Period | 8 days |
| Maximum Benefit Period | 25 weeks |
| Pre Existing Condition Clause | None |
Carrier
- Detail
- Sun Life
Paid By
- Detail
- Available at no cost
Income Replacement
- Detail
- 50%
Maximum Benefit
- Detail
- $1,500 per week
Elimination Period
- Detail
- 8 days
Maximum Benefit Period
- Detail
- 25 weeks
Pre Existing Condition Clause
- Detail
- None
Notes
STD benefits are available at no cost. This insurance replaces 50% 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 Human Resources for details.
Basic Long Term Disability
| Feature | Detail |
|---|---|
| Carrier | Sun Life |
| Paid By | Available at no cost |
| Income Replacement | 50% |
| Maximum Benefit | $7,500 per month |
| Elimination Period | 180 days |
| 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. |
| Pre Existing Condition Clause | There is a 3 month Pre-Existing Exclusion for conditions in existence months prior to effective date. |
Carrier
- Detail
- Sun Life
Paid By
- Detail
- Available at no cost
Income Replacement
- Detail
- 50%
Maximum Benefit
- Detail
- $7,500 per month
Elimination Period
- Detail
- 180 days
Maximum Benefit Period
- Detail
- Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.
Pre Existing Condition Clause
- Detail
- There is a 3 month Pre-Existing Exclusion for conditions in existence months prior to effective date.
Notes
LTD benefits are available at no cost. This insurance replaces 50% 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 Human Resources for details.