Private Disability Policy

Discussion in 'UPS Discussions' started by brown67, Dec 1, 2012.

  1. brown67

    brown67 Active Member

    Do any of you have your own supplemental disability policy? I want to get something that will cover me if I get hurt or disabled away from work. Couple of drivers here have been hurt or become ill away from from work and got around 600 week from their UPS short term disability. I take home about twice that. Never could live on that. If you do who is your policy with and how much does it cost?
  2. toonertoo

    toonertoo Most Awesome Dog Staff Member

    our std is 300 pw, good luck with that been there done it.
  3. UpstateNYUPSer

    UpstateNYUPSer Very proud grandfather.

    I have supplemental health, sickness and disability policies through Combined. I am covered 24/7 for $100/month. STD/LTD and/or comp does not pay the bills---Combined pays in addition to any STD/LTD or comp payments.
  4. scratch

    scratch Least Best Moderator Staff Member

    Just use "The Methods" and you won't need it. lol
  5. Anonymous 10

    Anonymous 10 Guest

    Where I'm at if you are hurt off the job and you ask for light duty and are denied you are eligible for unemployment in addition to your union disability payment.
  6. brown67

    brown67 Active Member

    Did not know that
  7. brown67

    brown67 Active Member

    Do you pick how much you need per month or is the amount just taken as an average from your last paychecks before you your disability?
  8. UPSGUY72

    UPSGUY72 Well-Known Member

    Or drag your ass to work and get hurt after the First delivery... :wink2:
  9. UpstateNYUPSer

    UpstateNYUPSer Very proud grandfather.

    Payments from supplemental insurance are set by the insurer and are not based on your paychecks.

    I had bi-lateral ulnar nerve release surgery on both elbows a few years ago. I was off for two weeks and had light duty for two more. I received a check for $880 from comp and for $1000 from Combined. The benefit schedule and premiums increase 5% each year.
  10. Jones

    Jones fILE A GRIEVE! Staff Member

    Northwestern Mutual will pay me approx 900.00 per week for up to 5 years. 195.00 per month. Premium is based on your age and occupation, you can get a lower premium if you start younger than I did. You can also get a lower premium if you opt for 2 years of coverage vs 5 years.