Income Protection Insurance

The City provides income protection benefits to support you if you are unable to work due to illness, injury, or a work-related accident. These programs help protect your financial security during periods when you cannot earn your regular paycheck.

Coverage Highlights

Short-Term Disability (STD)

• Provides income replacement if you are unable to work due to an extended illness or non-work-related injury

• Benefits begin after you have missed 14 consecutive calendar days of work

• Pays 66⅔% of your regular base pay for a period determined by the City’s disability carrier

• Benefit duration will never exceed 11 weeks

• You may use accrued vacation or personal leave to cover the remaining 33⅓% of pay

• Available after you have worked 1,040 hours (about 6 months)

• Fully paid by the City

Long-Term Disability (LTD)

• Provides continued income replacement if you remain unable to work due to non-work-related illness or injury

• Benefits begin after you have been unable to work for 90 consecutive days

• Pays 60% of your regular base pay while you remain disabled under the policy definition

• Coverage becomes effective on the first day of the month following one month of employment

• Fully paid by the City

Workers’ Compensation

• Provides protection for job-related injuries or illnesses

• Fully funded by the City, and separate from STD and LTD

• Injuries must be reported immediately to your supervisor to begin the claim process

Costs to Employees

• There is no cost to employees for STD, LTD, or Workers’ Compensation coverage

• All premiums and claim costs are fully funded by the City

Accessing Your Benefits

• Short-Term and Long-Term Disability: File a claim through our Human Resource Specialist

• Workers’ Compensation: Report the injury or illness to your supervisor immediately and complete the required claim forms

• HR can help you coordinate leave, pay, and benefits while you are out of work

Tip: Submit claims and medical documentation as soon as possible to avoid delays in receiving income replacement benefits.