If an illness or injury keeps you out of work, disability insurance replaces part of your paycheck. Liberty pays the full cost of both plans through Reliance Standard, and you’re enrolled automatically. Coverage starts the first of the month after your hire date (or the date you became a full-time employee).
Short-Term Disability (STD)
- Benefits start on the 8th day you’re unable to work, whether from an accident or an illness, and last up to 12 weeks
- Outside California: replaces 66.67% of your pay, up to $2,500 a week
- California employees: replaces 20% of your pay, up to $2,308 a week. California employees also get state disability insurance (SDI), which is why this benefit is smaller.
- Pregnancy and childbirth are covered the same way as any other medical condition
Long-Term Disability (LTD)
- Picks up after 90 days of disability, around the time STD ends
- Replaces 66.67% of your pay, up to $10,000 a month
- Can continue to age 65 or your Social Security normal retirement age, depending on your age when the disability starts
- Comes with travel assistance, ID theft recovery services and five face-to-face EAP counseling sessions
Both plans reduce your benefit by other income you receive for the same disability, such as Social Security, workers’ compensation or state disability. Neither plan covers a disability caused by a pre-existing condition in your first 12 months of coverage.
Filing a claim
Call Reliance Standard at 877-202-0055 or start a claim at matrixabsence.com. It’s a good idea to let Liberty’s benefits team know too, at benefits@libertycompany.com.
