Disability insurance provides income protection if you’re unable to work due to illness or injury. It helps replace a portion of your paycheck, ensuring you can continue to meet financial obligations while focusing on recovery.
You can use the benefits however you choose. It can help you pay for your rent or mortgage, groceries, out-of-pocket medical expenses, and more. Because your ability to earn an income is one of your most valuable assets, disability coverage is an important part of your overall financial security.
PTMA provides both Short-Term and Long-Term Disability coverage to employees at no cost. These disability benefits are administered by Unum.
If a covered illness or injury keeps you from working, this employer-provided Short Term Disability Insurance replaces part of your income while you recover. As long as you remain disabled, you can receive payments for up to 13 weeks, subject to the elimination period. You’re generally considered disabled if you’re unable to do important parts of your job — and your income suffers as a result.
| Employee Coverage | Benefit |
|---|---|
| Plan Funding | 100% Employer-Funded |
| Benefit Amount | Up to 60% of your Total Weekly Earnings |
| Benefit Maximum | $3,000 per week |
| Coverage Begins | 1st day after an injury, or 8th day after an illness |
| Benefit Duration | 13 weeks |
This employer-paid coverage provides a monthly benefit if you have a covered illness or injury and you can’t work for a few months — or even longer. You’re generally considered disabled if you’re unable to do important parts of your job — and your income suffers as a result.
| Employee Coverage | Benefit |
|---|---|
| Plan Funding | 100% Employer-Funded |
| Benefit Amount | Up to 60% of your Monthly Income |
| Benefit Maximum | $15,000 per month |
| Coverage Begins | Begins on the 91st day after disability onset |
| Benefit Duration | Up to the normal Social Security retirement age |
All detailed plan information—including detailed benefit summaries, premiums, and other plan documents—is available in your Rippling portal. Log in anytime to review your coverage, access forms, and download important documents.
If you need help filing a claim or contacting Unum, click “Employee Support” below.