Disability Benefits
Sun Life
Whether you suffer from a non-work-related injury or illness, or you’re planning a procedure and will be out of work for an extended period of time, the disability benefits highlighted below can provide eligible employees a partial replacement of lost income.
Short-Term Disability
Short-Term Disability (STD) is a type of disability insurance coverage
that can help you remain financially stable should you become
injured or ill and cannot work.
PENNSYLVANIA & OHIO EMPLOYEES
- PA and OH employees with more than one year of experience will receive 60% of their pre-disability earnings. Additionally, employees will have the option to purchase additional STD insurance on a voluntary basis equal to 30% of your pre-disability earnings. Those that enroll in the STD buy-up will receive a combined benefit of 90% of pre-disability earnings in the event of a claim.
- This program will be administered by Sun Life.
NEW JERSEY NON-UNION EMPLOYEES
- NJ employees will continue to receive the New Jersey state disability benefit which is 85% of earnings up to $1,025 per week. However, NJ employees will also have the option to purchase additional STD insurance on a voluntary basis to get up to a total STD benefit of 90% of pre-disability earnings in the event of a claim.
- The buy-up portion will be administered by Silvi. If you participate in the STD buy-up as a NJ employee, you should file claims with NJ state. Once approved, provide your confirmation to Silvi HR in order to receive the STD buy-up benefit.
Long-Term Disability
Long-Term Disability (LTD) insurance protects workers in the event they become disabled for a prolonged period prior to retirement. Employees must elect in to this benefit. This benefit is available to all Non-Union employees working in the U.S. who are scheduled to work a minimum of 30 hours per week.
LTD provides you with income continuation in the event your illness or injury lasts beyond 180 days. This helps ensure you have a continued income if you are unable to work due to a covered sickness or injury.
For 2025, the LTD maximum will be $10,000 per month. You may receive 60% of your pre-disability earnings to a maximum benefit of $10,000 per month.
Long-Term Disability Insurance
Online EOI Application
