Disability
What is disability insurance?
Disability insurance helps protect your income if you’re unable to work due to illness or injury. It replaces a portion of your earnings, allowing you to continue paying bills and managing everyday expenses while you recover.
Disability is more common than many people realize—about 5% of working Americans experience a short-term disability each year. And since most of these situations don’t happen on the job, they aren’t covered by workers’ compensation, making disability insurance an important safety net.
Plan Features
Everything You’ll Need to Know
Disability Insurance Coverage in 2026
Greenlight Networks provides both Short-Term Disability (STD) and Long-Term Disability (LTD) coverage to full-time employees—helping protect your most valuable asset: your income. If you’re unable to work due to illness or injury, these benefits offer financial support by replacing a portion of your earnings while you recover.
Short-Term Disability (STD)
- Voluntary Coverage: Employees may choose to enroll or waive the supplemental Short-Term Disability coverage
- Employee-Paid: Premiums are paid through post-tax payroll deductions, which means any benefits you receive are tax-free.
- Purpose: Provides income replacement for temporary disabilities, such as recovery from surgery, illness, or non-work-related injuries.
Long-Term Disability (LTD)
- Company-Paid: Greenlight Networks covers the full cost of LTD for eligible employees.
- Purpose: Offers extended income protection if you experience a serious illness or injury that prevents you from working for an extended period.
Why Disability Coverage Matters
- Protects your income during unexpected health events.
- Helps you maintain financial stability while focusing on recovery.
- Complements other benefits for comprehensive protection.
Plan Documents
Websites
Contacts
Short-Term Disability Member Services Call Center
1-800-268-2525
Long-Term Disability Member Services Call Center
1-800-538-4583