Disability
Disability insurance provides financial protection if you’re unable to work due to illness or injury. It replaces a portion of your income, helping you manage everyday expenses and maintain stability while you recover. Short Term Disability (STD) typically covers temporary conditions, while Long Term Disability (LTD) offers extended support for more serious or long-lasting health issues. This coverage offers peace of mind, ensuring you’ll still receive a steady income if the unexpected happens.
Short Term Disability (STD)
- You are eligible to receive STD benefits after you have been disabled for 7 days due to a non-work-related illness or injury.
- Replaces up to 60% of your eligible income, up to a maximum of $2,000 per week.
- Benefits end after 13 weeks.
Buy-Up Short Term Disability (STD)
- You are eligible to receive STD benefits after you have been disabled for 7 days due to a non-work-related illness or injury.
- Replaces up to 60% of your eligible income, up to a maximum of $2,500 per week.
- Benefits end after 13 weeks.
Voluntary Rates / $10 Weekly Benefits
Age
Rate (per $1,000)
18–24:
$0.0192
25–29:
$0.0192
30–34:
$0.0192
35–39:
$0.0192
40–44:
$0.0192
45–49:
$0.0192
50–54:
$0.0240
55–59:
$0.0287
60–64:
$0.0359
65–69:
$0.0383
70–74:
$0.0383
75–79:
$0.0383
80+:
$0.0383
Hawaii Temporary Disability Insurance
- You are eligible to receive TDI benefits after you have been disabled for 7 days due to a non-work-related illness or injury.
- Replaces up to 58% of your eligible income.
- Benefits end after 26 weeks.
Long Term Disability (LTD)
- You are eligible to receive LTD benefits after 90 days of disability.
- Replaces up to 60% of your eligible income, up to a maximum of $7,500 per month until you recover or reach your Social Security Normal Retirement Age, whichever is sooner.