Long Term Disability (LTD) Employer Paid Benefit! Income protection while you are unable to work 60% of salary Maximum $12,000 per Month Benefit begins: day 91 Short Term Disability (STD) Employer Paid Benefit! Income protection while you are unable to work 60% of salary Maximum $2,000 per Week Benefit begins: day 8 D I S A B I L I TY