Supplemental disability benefits

​Supplemental disability benefits offer additional income protection for employees whose salaries are greater than $100,000 if they become totally disabled and are unable to work.*

Supplemental disability benefits coverage provides extra income protection for employees enrolled in the Death and Disability Plan whose salaries are greater than $100,000.*

Coverage details

When an employee is disabled, disability benefits coverage provides a monthly disability benefit generally equal to 60 percent of his or her effective salary. The maximum salary protected under the Death and Disability Plan is $100,000. Supplemental disability coverage can replace 60 percent of an employee's effective salary in excess of $100,000, up to the maximum salary of $280,000.*

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.*

Read more details about using these benefits.

Eligibility to participate

Members are eligible for supplemental disability coverage if they are enrolled in the Death and Disability Plan and have a salary greater than $100,000.*

*On January 1, 2020, the maximum salary protected will increase to $110,000, and supplemental disability coverage will be available for employees with effective salaries greater than $120,000.

Costs

You may choose to pay some, none, or all of the cost of this coverage for your employees. The monthly cost of coverage is determined by the level the employee selects and his or her age as of January 1 each year.

​Age​Monthly cost for each $10,000 increment
​30-34​$1.36
​35-39​$1.91
​40-44​$3.06
​45-49​$4.92
​50-54​$8.08
​55-59​$11.38
​60-64​$8.35
​65-69​$7.96
​70-74​$8.34
​75-79​$8.47