Disability Accounts
AAA Life Insurance Company provides you with Short Term Disability (STD) and Long Term Disability(LTD) insurance through Prudential.
Disability Accounts
Short-Term Disability (STD)
| Feature | Detail |
|---|---|
| Carrier | Prudential |
| Paid By | AAA Life Insurance Company |
| Income Replacement | 60% |
| Monthly Benefit | 60% of earnings to a weekly maximum of $3,500 |
| Elimination Period | STD benefits for approved claims begin on the first day following a non-occupational injury and the eighth day following a non-occupational illness. |
| Benefit Duration | Benefits are payable for up to 13 weeks from the first day of disability, as long as you remain disabled under the contract. |
Carrier
- Detail
- Prudential
Paid By
- Detail
- AAA Life Insurance Company
Income Replacement
- Detail
- 60%
Monthly Benefit
- Detail
- 60% of earnings to a weekly maximum of $3,500
Elimination Period
- Detail
- STD benefits for approved claims begin on the first day following a non-occupational injury and the eighth day following a non-occupational illness.
Benefit Duration
- Detail
- Benefits are payable for up to 13 weeks from the first day of disability, as long as you remain disabled under the contract.
STD Notes
- AAA Life Insurance Company provides you with Short Term Disability (STD) insurance through Prudential at no cost to you.
- STD replaces a portion of your income if you are disabled and cannot work due to add non-work-related illness or injury
Long-Term Disability (LTD)
| Feature | Detail |
|---|---|
| Carrier | Prudential |
| Paid By | AAA Life Insurance Company |
| Income Replacement | 60% |
| Monthly Benefit | 60% of earnings to a monthly maximum of $17,500 |
| Elimination Period | If you are disabled according to the contract, benefits are payable after the 90th day of disability (coinciding with the end of the maximum 13 week short disability benefit.) |
| Benefit Duration | Benefits may continue until you reach your Social Security Normal Retirement Age, as long as you remain disabled under the contract, depending on a person’s age at disability. Employees age 62 and older should review the booklet regarding limitations on the duration of Long Term Disability payments. Benefits are limited for mental illness conditions (and substance abuse conditions that fall under mental illness.) |
Carrier
- Detail
- Prudential
Paid By
- Detail
- AAA Life Insurance Company
Income Replacement
- Detail
- 60%
Monthly Benefit
- Detail
- 60% of earnings to a monthly maximum of $17,500
Elimination Period
- Detail
- If you are disabled according to the contract, benefits are payable after the 90th day of disability (coinciding with the end of the maximum 13 week short disability benefit.)
Benefit Duration
- Detail
- Benefits may continue until you reach your Social Security Normal Retirement Age, as long as you remain disabled under the contract, depending on a person’s age at disability. Employees age 62 and older should review the booklet regarding limitations on the duration of Long Term Disability payments. Benefits are limited for mental illness conditions (and substance abuse conditions that fall under mental illness.)
LTD Notes
- AAA Life Insurance Company provides you with Long Term Disability (LTD) insurance through Prudential at no cost to you.
- LTD replaces a portion of your income in the event you are disabled due to illness or injury beyond a period of 90 days