Disability Insurance
The Franklin County Cooperative offers a group disability insurance program to all benefit eligible employees. If you are eligible to enroll in the Cooperative's healthcare plan, you are eligible to participate in the disability insurance program.
The disability insurance program offers the following coverage:
- Short Term Disability (STD) replaces a portion of your pre-disability income during the initial weeks of a disability. It pays a weekly benefit based upon your pre-disability income and provides benefits up to 26 weeks (approximately 6 months) after an initial waiting period of 14 days.
- Long Term Disability (LTD) replaces a portion of your pre-disability income during an extended illness or injury. After an initial elimination period of 180 days (or until your Short Term Disability Insurance benefits end) it pays a monthly benefit based upon your pre-disability income. Benefits are paid up to your normal retirement age or Reducing Benefit Duration.
Documents
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