Could you pay your bills if an illness or injury prevented you from working? Disability benefits can help.

Short-Term Disability (STD)

STD benefits replace a portion of your income if you’re unable to work due to pregnancy, illness, or non-work-related injury. dsm-firmenich automatically provides you with STD coverage, following a one-week elimination period, equal to 100% of your base pay for 12 weeks and 60% for the next 13 weeks.

STD insurance is administered by Prudential.

Long-Term Disability (LTD)

dsm-firmenich automatically provides you with LTD coverage, equal to 60% of your base pay at the time you were disabled, to a maximum monthly benefit of $11,000. You have the option to purchase LTD buy-up coverage equal to 70% of your base pay at the time you were disabled, to a maximum monthly benefit of $15,000.

LTD insurance is administered by Prudential.

Things to Consider

When deciding whether to enroll in supplemental disability coverage, be sure to consider the following:

Cost per Paycheck
The cost of disability coverage is based on the level of coverage you elect. You’ll be able to see the cost per paycheck when you enroll.

Other Income Sources
If you were unable to work, would other sources of income be available to you, such as sick pay, salary continuance, a short-term state disability plan, or Social Security? If so, consider whether you would have enough money to pay your ongoing expenses for a period of time.

Taxes
Disability benefits may be taxable as ordinary income. That means federal and state income taxes will be deducted from disability benefit checks. When choosing a disability coverage level, be aware that taxes may affect the dollar amount of your benefit.