Supplemental disability benefits coverage may provide extra income protection for you if you are enrolled in the Death and Disability Plan, if you become disabled, and your effective salary is more than the maximum salary covered under the Death and Disability Plan.
Supplemental disability benefits can replace 60 percent of your effective salary in excess of the amount protected under disability benefits coverage.
Because the maximum salary protected under disability benefits coverage is $110,000, supplemental disability benefits coverage is available to help you protect income in excess of that amount, up to the maximum salary for pension participation purposes ($290,000 for 2021).
You may elect this coverage, in increments of $10,000, if you have an effective salary of at least $120,000. The maximum for which you may enroll is effective salary rounded down to the nearest $10,000. If you do not apply for supplemental disability benefits coverage when first eligible, you must undergo medical underwriting at your own expense to apply later.
You can apply for supplemental disability benefits coverage
You will be contacted by a Disability Specialist when you become eligible to apply for or increase supplemental disability benefits coverage.
Coverage is optional; your employer may pay none, some, or all the cost of this coverage. Monthly cost of coverage is based on your age as of January 1 each year.
|Age||Monthly cost for each $10,000 increment|