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Voluntary supplemental long term disability plan - Western Illinois - wiu

Voluntary supplemental long term disability plan - Western Illinois - wiu 2025

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The document outlines the Voluntary Supplemental Long Term Disability Plan offered to employees of Western Illinois University, designed in consultation with the State Universities Retirement System (SURS) and insured by The Prudential Insurance Company of America. It emphasizes the importance of income protection against loss of ability to work due to disability, detailing eligibility requirements, benefits structure, tax implications, and coverage limitations. The plan provides partial income replacement, rehabilitation assistance, and allows for continued benefits during part-time work. It also explains the process for enrollment and conversion of coverage upon leaving employment.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Should I opt in for long-term disability?

The average long-term disability claim is almost 3 years. Yet only 40% of American adults have enough savings to cover 3 months of living expenses if theyre not earning any income, making long-term disability insurance a crucial safety net.

Should I pay for supplemental long term disability insurance?

Its a good idea to supplement that coverage if your salary far exceeds the cap or you depend on bonuses or commissions. An insurer will consider other sources of disability insurance to determine how much coverage you can buy. Generally, you cant replace more than 70% of your income from all the coverage combined.

What does Dave Ramsey say about long-term disability?

3 negatives of Social Security Disability Insurance Qualifying for SSDI can be difficult. Applying for SSDI is time-consuming. SSDI payouts may not be enough.

Is long-term disability coverage worth it?

He also recommends you opt for a benefit period of up to age 65 or more if you can afford it, but a 5-year benefit period would be the minimum suggestion. Dave has said that you should get long-term disability coverage through your employer if they offer it.

How much does long term disability pay in Illinois?

Voluntary STD insurance can help you replace part of your income in the event of illness or disability. If you are unable to go back to work for either reason, you can file a claim directly with our voluntary STD provider and they will pay you the replacement income directly.

Is voluntary long term disability worth it?

How much does disability pay in Illinois? The average SSDI payment in Illinois is $1,413.31 per month. The average SSI payment is $651.63 per month. What youll earn is dependent on your income, or the amount youve historically paid into the Social Security program.

Voluntary supplemental long term disability plan - Western Illinois - wiu 2025

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Should I opt in for long-term disability?

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What does Dave Ramsey say about long-term disability?

Is long-term disability coverage worth it?

How much does long term disability pay in Illinois?

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Voluntary supplemental long term disability plan - Western Illinois - wiu 2025

Here's how it works

The easiest way to edit Voluntary supplemental long term disability plan - Western Illinois - wiu in PDF format online

Complete this form in 5 minutes or less

Got questions?

Should I opt in for long-term disability?

Should I pay for supplemental long term disability insurance?

What does Dave Ramsey say about long-term disability?

Is long-term disability coverage worth it?

How much does long term disability pay in Illinois?

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