Disability Insurance

The loss of income due to illness or injury can cause serious financial hardship for your family. Disability insurance replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this difficult time.

2025 disability insurance plans

• Coverage is automatic and employer-paid; no need to enroll.
• Benefits begin on the first day of disability for injuries, surgery, or hospitalization; and on the eighth day of disability for illness. (Employees subject to the 8-day waiting period for illness may use any available PTO.)
• Pays 60% of your weekly earnings, up to the Social Security Allowable Maximum.
• Benefits end after 13 weeks.

• CORE coverage is automatic and employer-paid; no need to enroll.
• Benefits begin after you have been disabled for 13 weeks.
• Pays 50% of your salary, up to a maximum of $7,000 per month.
• You can opt to pay tax on the premium to avoid taxation of the benefit.
• Provided through Prudential.

LTD buy-up

• Coverage is optional and employee-paid; you can enroll on the Paychex Enrollment Portal as a new hire or during Annual Enrollment.
• You have two LTD buy-up options — you may choose to pay taxes on the premium, which makes your benefit payment tax-free, or you may choose not to pay taxes on the premium, which makes your benefit payment taxable.
• Buy-up coverage adds an additional 10% to your LTD benefit payments, providing a total of 60% of your salary, up to a maximum of $9,000 per month.
• Provided through Prudential.
• Buy-up coverage requires proof of good health (Evidence of Insurability) if you don’t enroll when you are first hired and want it later.
• Benefits continue until you are no longer disabled, or your Social Security Normal Retirement Age, whichever is earlier.