DISABILITY

What is Short-Term Disability Insurance?

A type of coverage that replaces a portion of your income, for a short period of time, if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Short-Term Disability Plan Rules:

Eligibility: All full-time employees working 20+ hours/week
Coverage through OneAmerica
Employee must be actively at work on the effective date
Employee can start and stop using sick leave to get through the elimination period
No health questions - EVERY YEAR!

What is Long-Term Disability Insurance?

A type of coverage that replaces a portion of your income, for a longer period of time, if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Long-Term Disability Plan Rules:

Eligibility: All full-time employees working 20+ hours/week
Coverage through OneAmerica
Core Plan premium covered by the Morgan County Charter Schools
Employee must be actively at work on the effective date
Employee can start and stop using sick leave to get through the elimination period
No health questions - EVERY YEAR!