Income Protection
ACE offers disability coverage to protect you financially in the event you cannot work as a result of a qualifying disability. A portion of your income is protected until you can return to work or until you reach retirement age.
Income Protection
- Feature
- Carrier
- Detail
- Reliance Standard Life Insurance
- Feature
- Paid By
- Detail
- Employer
- Feature
- Eligibility
- Detail
- STD is available to regular employees after one year of continuous service.
- Feature
- Income Replacement Percent
- Detail
- 66.67%
- Feature
- Elimination Period
- Detail
- 7 days; STD begins on day 8
- Feature
- Maximum Benefit Period
- Detail
- 26 weeks
- Feature
- Exclusions
- Detail
- Certain exclusions may apply. See your plan documents or contact the Benefits Service Center for details.
STD Insurance Notes
- Short-Term Disability (STD) benefits are available at no cost to you as the employee.
- Certain exclusions may apply. See your plan documents or contact the Benefits Service Center for details.
- STD is available to regular employees after one year of continuous service.
- Feature
- Carrier
- Detail
- Reliance Standard Life Insurance
- Feature
- Paid By
- Detail
- Employer
- Feature
- Eligibility
- Detail
- LTD is available to regular employees after 90 days of continuous service.
- Feature
- Income Replacement Percent
- Detail
- 50%
- Feature
- Elimination Period
- Detail
- 26 weeks
- Feature
- Maximum Benefit Period
- Detail
- Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.
- Feature
- Exclusions
- Detail
- Certain exclusions may apply. See your plan documents or contact the Benefits Service Center for details.
- Feature
- Maximum Benefit
- Detail
- $12,000 monthly
- Feature
- Pre Existing Condition Clause
- Detail
- Certain exclusions, along with pre-existing condition limitations, may apply.
- Feature
- Carrier
- Detail
- Reliance Standard Life Insurance
- Feature
- Paid By
- Detail
- Employee
- Feature
- Eligibility
- Detail
- LTD is available to regular employees after 90 days of continuous service.
- Feature
- Income Replacement Percent
- Detail
- 66.67%
- Feature
- Elimination Period
- Detail
- 26 weeks
- Feature
- Maximum Benefit Period
- Detail
- Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.
- Feature
- Exclusions
- Detail
- Certain exclusions may apply. See your plan documents or contact the Benefits Service Center for details.
- Feature
- Maximum Benefit
- Detail
- $12,000 monthly
- Feature
- Pre Existing Condition Clause
- Detail
- Certain exclusions, along with pre-existing condition limitations, may apply.
- Feature
- Rate
- Detail
- $0.38
- Feature
- Calculation Formula
- Detail
- Annual Salary ÷ 12 = Monthly Covered Payroll x $0.38 ÷ $100 = Monthly Premium
- Feature
- Notes
- Detail
- During Annual Enrollment, you will be able to elect the Voluntary LTD coverage without Evidence of Insurability.
LTD Notes
- During Annual Enrollment, you will be able to elect the Voluntary LTD coverage without Evidence of Insurability.
- Certain exclusions, along with pre-existing condition limitations, may apply. See your plan documents or contact the Benefits Service Center for details. LTD is available to regular employees after 90 days of continuous service.
- Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.