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Disability Insurance Overview


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.

Next Steps and Key Dates

  • Employers will receive a confirmation letter showing their disability insurance policy selection, or default plan placement (for those who did not make a selection during the enrollment period)
  • If you elected to offer employee-paid (voluntary) disability coverage, your employees will need to make an enrollment decision between November 19 – December 31, 2019. A link to the enrollment form will be included in your confirmation letter.
  • Administrators may enroll eligible employees in employer-paid plans using MLPS beginning December 3, 2019
  • The effective date of coverage is January 1, 2020

Want more information? Make sure to register for the November 19 Disability Update Webinar #2, and watch the replay of our Disability Update Webinar #1  .

All communications regarding the change will also be posted in Documents & Mailings. Check there for anything you may have missed!

1 Policy Number: CNYEX01112

Why Offer Disability Coverage?

Disability coverage protects your employees and your organization when an employee is too sick or injured to work. This coverage assures that employees have income while they’re disabled and – in some cases – provides funds to your organization to hire a temporary replacement.

The Church Pension Fund makes available two types of disability coverage: Short-Term Disability Benefit and Long-Term Disability Insurance


Protect Your Employees and Organization

You may offer and promote both Short-Term Disability Benefit and Long-Term Disability Insurance to all of your employees. Enroll your organization in this benefit during two enrollment periods each year.

Enroll employees within 31 days of their date of hire to guarantee acceptance and avoid paying back premiums. 



Short-term disability and long-term disability insurance policies are underwritten and issued by Lincoln Financial Group.