Supplemental disability benefits

Supplemental disability benefits provide extra income protection for employees enrolled in the Death and Disability Plan whose salaries are greater than $110,000.

Coverage details

When an employee is disabled, disability benefits provide a monthly disability benefit generally equal to 60 percent of their effective salary. The maximum salary protected under the Death and Disability Plan is $110,000. Supplemental disability benefits can replace 60 percent of an employee's effective salary in excess of $110,000, up to the maximum salary of $330,000 (the 2023 IRS limit, up from $305,000 in 2022).

Supplemental benefits are available in increments of $10,000 of protected income. Eligible members may protect all of their salary in excess of $110,000 (up to the maximum) or part of it.

To determine the amount you can elect, round down your effective salary to the nearest $10,000. If that amount is at least $120,000, you can buy supplemental disability coverage. In other words your effective salary must be more than $120,000 to apply for this coverage.

Read more details about using these benefits.

Eligibility to participate

Members are eligible for supplemental disability benefits if they are enrolled in the Death and Disability Plan and have a salary greater than $110,000.

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.