Pay and Save, inc. DBA Lowe’s is proud to offer it's team members Group Short Term Disability Insurance through Colonial Life
If a covered accident or covered sickness prevents you from earning a paycheck, group short term disability insurance can provide a monthly benefit to help you cover your ongoing expenses, often at a more reasonable rate than individual insurance.
Frequently asked questions
What is the definition of total disability?
“Totally disabled” or “total disability” means you are unable to perform the material and substantial duties of your regular occupation, not working at any occupation, and under the regular and appropriate care of a doctor.
How does partial disability work?
If you are able to return to work part time after at least 14 days of being paid for a total disability, you may be able to still receive 50% of your total disability benefit.
What are the age guidelines to qualify for this coverage?
Coverage is available from ages 17 to 74.
DISABILITY INSURANCE: WHAT’S RIGHT FOR ME?
You can tailor disability coverage to fit your specific needs. Talk with your benefits counselor about your expenses and other paid leave benefits, such as state paid medical leave, and use this worksheet to help determine the coverage that’s right for you.¹
¹ State paid medical leave (PML) benefits fall under state-specific program names. Not available in all states.