Income Protection

Disability insurance replaces part of your pay while you are unable to work so you have a continuing income for living expenses

Short-Term Disability (STD)

Feature	Detail
Provider	Unum
Weekly Benefit Amount	Weeks 1-8 – Replaces 100% of your weekly base salary up to $4,000 Week 9-18 – Replaces 66.67% of your weekly base salary up to $4,000
Elimination Period	14 Days
Benefits Begin	After 14 Days of disability due to accident or illness
Maximum Payment Period	180 days

Provider

Weekly Benefit Amount

Detail: Weeks 1-8 – Replaces 100% of your weekly base salary up to $4,000 Week 9-18 – Replaces 66.67% of your weekly base salary up to $4,000

Elimination Period

Benefits Begin

Maximum Payment Period

STD insurance replaces part of your income for limited duration issues such as pregnancy and childbirth recovery, prolonged illness or injury, and surgery and recovery time.
STD payments may be reduced if you receive other benefits such as sick pay, workers’ compensation, Social Security or state disability.
McAfee pays the cost of this coverage.

Long-Term Disability (LTD)

Feature	Detail
Weekly Benefit Amount	66.67% of monthly earnings, up to a monthly maximum of $15,000
Benefits Begin	After 180 days of disability
Maximum Payment Period	To Social Security Normal Retirement Age

Weekly Benefit Amount

Benefits Begin

Maximum Payment Period

LTD insurance replaces part of your income for longer-term issues such as debilitating illness (cancer, heart disease), serious injuries, heart attack, stroke, and mental disorders.
If you qualify, LTD benefits begin after short-term disability benefits end.
Payments may be reduced by state, federal or private disability benefits you receive while disabled.
McAfee pays the cost of this coverage.