Disability Premiums
New Disability Vendor
Zurich American Life Insurance Company (Zurich), a New York domestic life insurance company, will become the insurer for the group short-term disability (STD) and long-term disability (LTD) insurance policies, effective January 1, 2020.
We mailed enrollment packets to employers on September 30. Please watch your mailbox for these important materials!
Once you have reviewed the coverage options and cost exhibits in your packet, make your selections using our online form by October 25, 2019. If you do not make a selection, your group will automatically be enrolled in the default disability options identified in your packet.
Next Steps and Key Dates
- Make your online selections no later than October 25, 2019
- If you elect to offer employee-paid (voluntary) disability coverage, your employees will need to make an enrollment decision between November 1 and 29, 2019
- The effective date of coverage is January 1, 2020
Want more information? Watch the replay of our 2020 Disability Update Webinar 
or read a PDF of the webinar presentation.
All communications regarding the change will also be posted in Documents & Mailings. Check there for anything you may have missed!
1 Policy Number: CNYEX01112
Effective January 1, 2019 – December 31, 2019
Short-Term Disability for Lay Employees
Can be voluntary or employer-paid.
| Salary Ranges | Monthly Premium |
|---|---|
| Less than $25,000 | $8.00 |
| $25,000 to $44,999 | $17.50 |
| $45,000 and above | $32.00 |
Voluntary Long-Term Disability Plan
| Lay Employees | Clergy | |||
|---|---|---|---|---|
| Salary Ranges | 25% Option |
50% Option |
25% Option |
50% Option |
| Less than $25,000 | $12 | $18 | $14 | $23 |
| $25,000 to $44,999 | $22 | $37 | $26 | $44 |
| $45,000 and above | $43 | $72 | $50 | $86 |
Employer-Provided Long-Term Disability Plan
Premium is $0.58 per $100 of monthly covered payroll.
- The maximum salary cap for the 66 2/3% lay plan is $90,000 of covered payroll rounded up to nearest $1,000 ($60,000 is 66 2/3% of $90,000 which is the maximum disability benefit of $5,000/mo)
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