1.  Short Term Disability (STD)

	Various waiting periods    7 day    14 day    30 day
	Various benefit periods    13 week    26 week    52 week
	60% of salary to max of $1,000 per week benefit

2.  Long Term Disability (LTD)

	Various waiting periods    90 day    180 day
	to age 65
	"your occupation" definition of disability
	60% of salary to a maximum benefit of $10,000 per month

Please download, complete and return the Employee Census Form. We will design a specific plan to fit your special needs.