Call to Enroll:
844-691-1471

 

 

Short Term Disability

Protect your income for a short duration. If you become disabled and are unable to work, disability insurance can help replace some of your lost income, help you pay bills and protect your long-term savings. Vanguard provides basic STD coverage at no cost. Employees with an annual salary of $39,000 and above have the option to purchase additional coverage.

 

Short Term Disability benefits begin on the 1st day of disability due to an accident and on the 8th day for an illness (including pregnancy).

 

Basic STD will pay 66 2/3% of your weekly salary to a maximum of $500 per week and you may receive this benefit for up 90 days. Basic STD is completely employer paid.

 

STD Buy-up will pay 66 2/3% of your weekly salary to a maximum of $2,500 per week and you may receive this benefit for up to 90 days.

STD Buy-up is completely employee paid. This benefit is available to eligible employees with an annual salary of $39,000 and above. Your specific rate will be calculated for you in the enrollment system.

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Long Term Disability 

Long Term Disability Insurance helps safeguard your financial security by replacing a portion of your income while you are unable to work. LTD benefits are intended to protect your income for a long duration after you have depleted short-term disability or available paid time off. LTD will take effect if your accident or illness prevents you from returning to work beyond your Short Term Disability period or 90 days.

 

If your injury or illness prevents you from returning to work for 90 days and you meet benefit qualifications, your Long Term Disability benefits will pay 60% of your monthly salary but no more than $10,000 per month. Your LTD benefits are payable for the period during which you continue to meet the definition of disability and if necessary, may continue to the later of social security normal retirement age or age 65*.

 

Long Term Disability is completely employee paid.