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MITW insurance department Disability Insurance
Short-Term Disability
This coverage will provide you with 67% of your weekly wage during periods of disability. Benefit payments begin on the third day of disability if disability is due to an accidental injury and on the fifteenth day of disability if disability is due to an illness. The maximum benefit period is 26 weeks. This is an employer paid benefit.

Long-Term Disability
This coverage is offered above and beyond the Short-Term Disability and pays at 60% of your gross wages. It is based on age and salary and different costs apply to each applicant. It is offered after-tax and you may enroll or drop at the end of the payroll month during the year. The maximum benefit is six months for your current job, two years for any other job and supplemented to SSI up to age 65 if still disabled. This is strictly a voluntary benefit offered to our employees.
 
Last Updated: Thu August 28, 2008