Short-Term Disability

Short Term Disability is provided to employees at no cost. The benefits are effective after an elimination period of zero (0) days due to accident or seven (7) days due to illness. The benefit percentage is 66.67% of weekly income up to a maximum of $1,500 per week. The benefits pay for a maximum of 25 weeks after the elimination period has been met.

Long-Term Disability

Xigent provides Long Term Disability to employees at no cost. This benefit is provided to you if you meet the definition of disability as defined by the plan. The plan provides 60% of monthly income replacement benefit with a maximum of $10,000/month. Pre existing condition limitations will apply if you have a health condition that may disable you prior to your effective date. The benefit will begin after being disabled for 180 days (elimination period) and will continue as long as you remain disabled or until you reach the maximum benefit period, defined in your certificate of coverage.