long term disability insurance sun life foreign citizens

The definition of disability is the inability to engage in the material and substantial duties of your own occupation during the first two-and-a-half years that benefits are payable. But many of us overlook protecting our most valuable asset, or ability to earn an income. Most of us think nothing of insuring our cars, homes, and other valuables. Long-Term Disability insurance provides you with a monthly benefit if you are unable to work for an extended period of time due to a covered disability. Without this insurance, you may have to use your sick time, vacation time, and even put your paycheck at risk if you are out of work for an extended period of time. NYS employees are not eligible for NYS Disability Benefits Law Coverage, therefore this insurance program may be of interest to you. PLEASE NOTE: Restrictions apply for hourly members and per diem members are not eligible for coverage. You may be eligible for Long-Term Disability insurance as an active, dues-paying PEF member. View now Long-Term Disability Insurance Features Eligibility Learn what the most common Long-Term Disability claims are and why you should have Long-Term Disability insurance. Without disability insurance, many people must turn to their savings or change their lifestyle, should they experience a loss of income. Many people are not prepared to manage the challenges that come with income loss due to a disability. If the pandemic has taught us anything, it is that you need to plan for the unexpected and the chance you may become disabled. Most Long-Term disability claims are not due to an accident, nor do they happen at work. In 2019, less than 1% of American workers missed work because of an occupational illness or injury.

Sun Life’s Long-Term Disability insurance, made available through the PEF Membership Benefits Program, is available to help you return to work and your normal routine as quickly as possible. If this happens, Long-Term Disability (LTD) insurance may give you the financial support you need so you can focus on getting better. Protect Your Paycheck & What You Love About LifeĪ serious illness or injury can turn your life upside down for months-or even longer-and it might, also, mean you aren’t able to work.

Long term disability insurance sun life foreign citizens