Supplemental disability benefits

​Supplemental disability benefits coverage is an optional coverage that provides extra income protection for employees whose salaries are greater than $100,000, which is the maximum salary covered under the Death and Disability Plan.

When an employee is disabled, the maximum salary protected under the Death and Disability Plan is $100,000, for a benefit of up to $5,000 per month before taxes. For employees whose salaries are greater than $100,000, supplemental disability coverage can help protect their incomes against an unsustainable loss.

This optional coverage can replace 60 percent of a member's effective salary in excess of $100,000, up to the maximum salary of $280,000.

Eligibility

You are eligible for this coverage if you

  • are enrolled in the Death and Disability Plan;
  • have an effective salary of at least $110,000.

When members purchase this coverage, their salary is rounded down to the nearest $10,000 to determine the maximum amount for which they are eligible to enroll. Since disability coverage under the Death and Disability Plan protects the first $100,000 of a member's salary, members must have an effective salary of at least $110,000 to purchase supplemental protection.

Coverage

Supplemental coverage is available in increments of $10,000 of protected income. Eligible members may protect all of their salary in excess of $100,000 (up to the maximum) or part of it. To determine the maximum amount for which you are eligible to enroll, round down your effective salary to the nearest $10,000.

Cost

The monthly cost of coverage is determined by the level you select and your age as of January 1 each year. Log on to Benefits Connect for current rates. An employer may pay some or all of the cost of this coverage.