If an illness or injury keeps you from working, disability benefits can help replace a portion of your income. UMG provides Short-Term Disability (STD) and Basic Long-Term Disability (LTD) at no cost to eligible employees, with the option to purchase additional LTD coverage.

If you need to use your disability benefits, review the Leave of Absence Guide for details on taking a leave and starting a claim.

Short-Term Disability (STD)

Short-Term Disability provides income protection when an eligible illness or injury keeps you from working for more than five consecutive business days.

UMG provides:

• Up to 12 weeks: 100% of pay
• Following 14 weeks: Up to 60% of pay

Your UMG pay is coordinated with any disability benefits you may be eligible to receive.

Cost: UMG provides this benefit at no cost to you.

Long-Term Disability (LTD)

If an eligible illness or injury keeps you from working for more than 180 days, Long-Term Disability can provide continued income protection.

Basic LTD is provided by UMG at no cost to you. If you’d like additional income protection, you can elect supplemental LTD during your enrollment opportunity.

Need to use your disability benefits?

Review the Leave of Absence Guide for information about taking a leave, filing a disability claim, and what to expect while you’re away from work.

Resources

• Short-term Disability Highlights
• Short-term Disability Booklet
• Long-term Disability Highlights
• Long-term Disability Booklet

*Rates are based on age and salary. For more information, reach out to the Benefit Service Center.