We offer three types of disability insurance:
- Short-term disability (STD)—you are automatically enrolled* at 60% coverage level or can choose 70% buy-up coverage, costs correspond to your coverage level
- Basic long-term disability (LTD)—you are automatically enrolled, no cost to you
- Supplemental LTD—you can choose buy-up coverage
*You may chose to opt-out of 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.