





| Disability |
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| Long Term Disability: HCBE has a long term disability plan designed to replace your income if you become disabled. The Board pays the entire cost of this plan. If you become totally disabled and must be out of work for an extended period, this plan may replace 60% of your pay after one year of disability. If you are disabled before age 60, that benefit will continue to age 65. Disabilities occurring after age 60 continue for a set number of months. Short Term Disability: To get you from your sick leave to the Board-paid long term disability plan, there is Short Term Disability coverage. You choose from the different waiting periods (the longer you wait to receive benefits, the lower your cost) and any benefit amount you wish ($100 increments) up to a maximum benefit of 66 2/3% of pay. Benefits begin after your sick days run out, then are payable for up to one year. For more information or help with LTD or STD, please contact the HCBE benefits office at chris.gibson@hcbe.net. |
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