Short Term Disability (STD): Benefits under STD only plan are payable for a maximum of 2 years. For disabilities occurring after age 60 benefit duration reduces. Please see the group certificate for more details.

Long Term Disability (LTD) or Combination (STF/LTD): Benefits under LTD or Combo STD/LTD programs will be paid out for as long as you are disabled under the terms of the group policy or until you reach age 60.  For disabilities occurring after age 60 benefit duration reduces. Please see the group certificate for more details.