We offer three types of disability insurance:
- Short-term disability (STD)—you are automatically enrolled, comes at a cost and the option to opt out*
- Basic long-term disability (LTD)—you are automatically enrolled, no cost to you
- Supplemental LTD—you can choose buy-up coverage
*If you opt-out during your initial eligibility window, you will be subject to the pre-existing conditions should you enroll in the future. See below for details.