You are being asked to complete this form as part of your membership in a Group Protection policy 2025

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Employment Rights Under ADA The Americans with Disabilities Act, or ADA, is another law that may provide job protections to individuals who have taken short-term disability. Even in at-will employment states, the ADA makes it illegal to fire someone because of a physical or mental disability.
The Basics of LTD Benefits Designed to support individuals and their families, LTD is available when someone can no longer work. They must usually be unable to hold gainful employment indefinitely or for at least a year. Those who are disabled on a short-term basis may qualify for a separate short-term disability plan.
While policies vary, short term disability insurance typically covers you for a term between 3-6 months.
Once a participants claim is approved, short-term disability provides 66% of your monthly salary up to a maximum benefit of $6,600.00 per month with benefits payable for a period of up to five and a half months (a maximum of 166 days) after completion of your 14-day waiting period or use all available sick leave (
The elimination period: Also called the waiting period, its the period of time after you are disabled until you can start receiving benefits. A 14-day STD elimination period is typical but it can range from 7 to 30 days.
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