The risk of Disability is real.  More than 25% of today's 20-year-olds will become disabled during their career. 

 

The top 5 causes of Long Term Disability Claims are from Muscle/bone disorders, Cancer, Accidents, Mental disorders, and Cardiovascular. 

 

Over half of Americans are financially unprepared for a period of disability.

 

Short Term Disability Coverage 

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• Short Term Disability coverage is voluntary and 100% paid by the employee.  Coverage starts after 14 days of illness or injury and pays for a maximum of 24 weeks. 

• Full-time status is required to participate.​​

 

Long Term Disability Coverage

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• Long Term Disability is 100% paid for by CVA with no cost to the employees.  Coverage starts after 26 weeks of illness or injury and pays 60% of wages with a max of $8,500 per month (subject to base pay).

• Full-time status is required to participate.

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