Overview

The loss of income due to an unexpected illness or injury can cause serious financial challenges for your family. Disability insurance from Unum helps you meet your financial obligations during difficult times by replacing a portion of your income. Calyx automatically provides both short-term and long-term disability coverage, at no cost to you. You can also purchase additional long-term disability coverage to increase the benefit amount you would receive.

 

Short-Term Disability

  • Calyx-paid, coverage is automatic — no need to enroll.
  • You must complete at least six months continuous service to be eligible. No waiting period is required for maternity leave.
  • Provides a benefit equal to 60% of your pay.
  • Maximum benefit ends after 13 weeks.

Maternity Leave

Maternity Benefits – The first 8 weeks of leave will be compensated at 100% of the employee’s regular, base weekly pay following the birth of their child and coordinated with STD and/or state entitlements (if applicable). STD benefits continue for as long as the employee remains disabled following delivery.

 

Long-Term Disability

  • Calyx-paid, coverage is automatic — no need to enroll.
  • You must complete at least six months of continuous service to be eligible.
  • Provides a benefit equal to 60% of your pay, up to a maximum monthly benefit of $12,000.
 

LTD Buy-up Insurance​

  • Benefit is optional and employee-paid; you can enroll on the Mercer Marketplace 365+
  • Works with your Calyx-paid LTD benefit.
  • Provides additional coverage to increase your total LTD benefit to 66.67% of your pay, up to a maximum monthly benefit of $20,000.