Benefit Payments

Payment Amount & Schedule

If you are unable to work due to an illness or disability and have been approved to receive short-term disability benefits, you can expect weekly payments of a portion of your salary (up to $1,500 per week) for up to 13 or 26 weeks, depending on the plan your employer selected. Coverage begins on the 31st day of your disability leave.

Zurich American Life Insurance Company (Zurich) will pay the Short-Term Disability benefits directly to you.

If you continue to receive any salary continuation from your employer once you begin receiving disability benefits, the short-term disability benefit will be reduced if you exceed 100% of your pre-disability earnings (salary). Your employer can coordinate and pay the additional benefits that you may not be receiving from your short-term disability benefits.

In order to continue receiving benefits, you must be periodically certified by Zurich and remain in a doctor's care.

Working Part-Time

You may also qualify for short-term disability if you have lost at least 20% of your earnings. That means you're still eligible to receive a portion of your lost wages (up to $1,500 per week), even if you work part-time during your disability leave. The benefit is pro-rated for any loss of earnings of 20% or more.

Payment Reductions

Benefits are reduced by any amount you receive from:

  • Workers' Compensation or similar provisions in the law
  • State disability benefits
  • Social Security benefits
  • Other income

Policy Number: CNYEX01112
Disability Insurance Disclaimer