The Disability Insurance Program is structured to prevent a lapse in pay if you're out of work due to non-work related illness or disability. TIH offers two coverage options:

• 50% Disability Option
  
• 60% Disability Option

Each option continues a different percentage of your monthly Benefits Annual Rate (BAR) after you've exhausted your annual sick leave days. To receive disability pay, your absence must be certified by your doctor and approved by our Disability Insurance carrier, The Hartford. If you aren't approved for disability, any continued absence will be without pay.

Premiums

TIH provides the 50% Disability Option to teammates at no cost. The premium for the 60% Disability Option is based upon your individual BAR and your age.

Disability premiums are paid on an after-tax basis so the benefits received from the plan are not taxable to you.