Overview
DSB Technologies offers short and long-term disability insurance to employees working at least 36 hours per week through The Hartford. In the event that you become disabled from a non-work-related injury or sickness, disability income benefits are provided as a source of income. You are not eligible to receive short-term disability benefits if you are receiving workers’ compensation benefits.
Short-Term Disability Coverage (Hourly Employees)
DSB Technologies offers short-term disability at no cost to you!
STD benefits received are reduced by State Disability Income (SDI) for employees residing in states with a State Disability Program, Workers’ Compensation, and Social Security.
| Short-Term Disability | |
|---|---|
| Benefits Begin | 8th day accident / 8th day illness |
| Benefits Payable | 12 weeks |
| Percentage of Income Replaced | 70% of weekly salary |
| Maximum Benefits (weekly) | $1,500 |
Short-Term Disability Coverage (Salaried Employees)
DSB Technologies offers short-term disability at no cost to you!
STD benefits received are reduced by State Disability Income (SDI) for employees residing in states with a State Disability Program, Workers’ Compensation, and Social Security.
| Short-Term Disability | |
|---|---|
| Benefits Begin | 1st day accident / 1st day illness |
| Benefits Payable | 26 weeks |
| Percentage of Income Replaced | Weeks 1-9: 100% of Weekly Earnings Weeks 10-18: 85% of Weekly Earnings Weeks 19-26: 70% of Weekly Earnings |
| Maximum Benefits (weekly) | $9,999 |
Voluntary Long-Term Disability Coverage (Hourly Employees)
Long-Term Disability (LTD) provides a partial salary replacement for eligible full-time hourly employees who are absent from work for an extended period of time due to a qualified illness or non-work related injury. This benefit begins after Short-Term Disability is exhausted.
LTD benefits received are reduced by State Disability Income (SDI) for employees residing in states with a State Disability Program, Workers’ Compensation, and Social Security.
You may purchase long-term disability insurance through The Hartford.
Rate = $0.60 per $100 of covered salary
| Long-Term Disability | |
|---|---|
| Benefits Begin | 90 Days |
| Benefits Payable | To Social Security Normal Retirement Age |
| Percentage of Income Replaced | 60% of monthly salary |
| Maximum Benefits (monthly) | $5,000 |
Voluntary Long-Term Disability Coverage (Salaried Employees)
Long-Term Disability (LTD) provides a partial salary replacement for eligible full-time salaried employees who are absent from work for an extended period of time due to a qualified illness or non-work related injury. This benefit begins after Short-Term Disability is exhausted.
LTD benefits received are reduced by State Disability Income (SDI) for employees residing in states with a State Disability Program, Workers’ Compensation, and Social Security.
You may purchase long-term disability insurance through The Hartford.
Rate = $0.26 per $100 of covered salary
| Long-Term Disability | |
|---|---|
| Benefits Begin | 180 Days |
| Benefits Payable | To Social Security Normal Retirement Age |
| Percentage of Income Replaced | 60% of monthly salary |
| Maximum Benefits (monthly) | $10,000 |
Additional Programs with The Hartford
Life and Disability Insurance from The Hartford can help you protect the financial future of your loved ones. Your coverage includes valuable services that can help you and your family. Click on the link below to learn more about these free programs.