Benefits: Short Term Disability

Short-Term Disability insurance is provided, at no cost, to all trainees.

• The policy (S653911) is insured through Northwestern Mutual Life.

• The plan has a 15-day beginning date.  You must be disabled for 14 days before benefits begin.

• The plan pays 70% of base income if disabled and benefits can be paid up to 11 weeks.  Maximum weekly benefit is $1,000.

• You have "own occupation" coverage through the benefit period.

• There is no offset if you collect Social Security Disability Benefits.

• The plan pays for both total and partial disability.

• Pregnancies are covered for 4 weeks, C-sections 6 weeks, after the 14-day waiting period.

A disability results from an injury, sickness or pregnancy for which you are under the ongoing care of a physician or practitioner other than yourself. 

If you have questions regarding other life or disability insurance options call Bill Clark, Northwestern Mutual Life at 952-806-9615.

Please refer to the Disability Policy in the General Policies and Procedures section of this manual for further information.