How Your Disability Plans Work
Sometimes, even the best trips can get derailed by the unexpected; an accident up ahead, a flat tire, or a mechanical problem, for example. Our own life journeys aren’t really that different.
No one likes to think about it, but it’s important to know that you and your family have the right financial protection if you suffer an accident, an injury, or a serious illness. K-C offers disability benefits to give you peace of mind and help you focus on getting healthy again.
Weekly Disability Income (WDI)
If you’re sidelined and unable to work for a short period of time, the Weekly Disability Income (WDI) plan provides a partial level of income replacement at no cost to you.
For a qualifying WDI leave, Prudential pays a benefit to you for up to 26 weeks provided your claim is certified by Prudential. While you are out on WDI, you are responsible for paying your benefit premiums separately. If your non-work related sickness or injury lasts more than 26 weeks, you may be eligible for coverage under K-C's Long Term Disability plan.
Short Term Disability (STD)
K-C offers income protection benefits at no cost to you for non-work related sicknesses and injuries through our Short Term Disability (STD) program.
For a qualifying STD leave, K-C continues to pay you 100% of your regular base pay for up to 26 weeks provided your claim is certified by Prudential. If your non-work related sickness or injury lasts more than 26 weeks, you may be eligible for coverage under K-C's Long Term Disability plan.
In addition, K-C offers 4 weeks of Parental Leave to new parents. This particular time off can be used during the first 12 months of birth, adoption, or foster placement.
Long Term Disability (LTD)
K-C’s Long Term Disability (LTD) plan provides you financial protection in cases of serious or catastrophic illness or injury that leave you unable to work after you have used up your Short Term Disability (STD) or Weekly Disability Income (WDI) benefit.
If you’ve been unable to work due to sickness or injury for 26 consecutive weeks, your case manager at Prudential will evaluate your claim for potential payment of LTD benefits.
For a qualifying LTD leave, Prudential pays your benefit on a monthly basis. LTD benefits continue as long as you meet the eligibility requirements up to the maximum period allowed for your claim.
More on Disability
To find out more about your specific disability coverage and benefits, visit K-C Benefit Compass. Click on the Plan Information tile, scroll down, and choose Summary Plan Descriptions and Policy Booklets.