Page 23 - Willscot I Mobile Mini Open Enrollment Guide

Disability Insurance
A disability can be one of the biggest financial risks you face. Your work income will end, but your living expenses will continue. When you are unable to work for a period of time due to a disability, disability insurance can replace a percentage of your lost income.
Key Words to Know:
Short Term Disability: When you are unable to work for a period of time due to a disabling illness or injury, short term disability insurance can replace a percentage of your lost income (up to a maximum weekly benefit) for a period of time as defined by the policy.
Long Term Disability: When you are unable to work for an extended period of time due to a disabling illness or injury, long term disability insurance can replace a percentage of your lost income (up to a maximum monthly benefit) for a period of time as defined by the policy.
Disability Benefits Summary
Lincoln Financial Employer-Paid Disability
Employer-Paid Short Term Disability
Employer-Paid Long Term Disability
Benefit Provided
Maximum Benefit Period (including waiting period)
Exempt: 100% of salary Non-Exempt: 60% salary
26 weeks
60% of salary
Until you no longer meet the definition as defined by the policy
Maximum Benefit Amount
Unlimited
$15,000 per month
Waiting Period
Exempt: 14 calendar days / Non-Exempt: 7 calendar days
180 days
If your employer is required under state law to offer you short term disability benefits, your disability benefits will be coordinated between your employer and the state. Check with your employer if this applies to you.
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