Disability insurance is an extremely important coverage that will replace your income if you become disabled due to sickness or injury and cannot work. Through the Long-term Disability policy with ReliaStar Life Insurance Company (through VOYA), your NCC has made provision for your income replacement should the need arise. Most importantly, because it is an employer-provided benefit, it costs you nothing.
All regular full-time employees of the North American Division as defined by individual employers, are covered under the LTD plan. In the event you become disabled and remain so throughout the 90-day elimination period, LTD will replace your lost income at 66.67% to a maximum of $6,000 per month.