Income Protection
You and your loved ones depend on your regular income. That's why Lhoist North America offers disability coverage to protect you financially in the event you cannot work as a result of a debilitating injury. A portion of your income is protected until you can return to work or you reach retirement age.
Income Protection
Short-Term Disability Insurance
California employees are covered under SDI (State Disability Insurance) benefits and will not be covered under Lhoist's Short-Term Disability Insurance.
| Feature | Detail |
|---|---|
| Carrier | Reliance Matrix |
| Paid By | Employee |
| Benefit | 60% of your monthly income |
| Maximum Monthly Benefit | $7,500 |
| Elimination Period | 180 days |
| Maximum Benefit Period | Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. |
Carrier
- Detail
- Reliance Matrix
Paid By
- Detail
- Employee
Benefit
- Detail
- 60% of your monthly income
Maximum Monthly Benefit
- Detail
- $7,500
Elimination Period
- Detail
- 180 days
Maximum Benefit Period
- Detail
- Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.
LTD Notes
- Rates are based on your age.
- Claims: Reliance Matrix, 877-202-0055
| Age (As of January 1, 2027) | RATE |
|---|---|
| 18-29 | $0.23 |
| 30-34 | $0.33 |
| 35-39 | $0.50 |
| 40-44 | $0.88 |
| 45-49 | $1.40 |
| 50-54 | $2.25 |
| 55-59 | $2.85 |
| 60-64 | $2.41 |
| 65-69 | $1.44 |
| 70+ | $1.26 |
18-29
- RATE
- $0.23
30-34
- RATE
- $0.33
35-39
- RATE
- $0.50
40-44
- RATE
- $0.88
45-49
- RATE
- $1.40
50-54
- RATE
- $2.25
55-59
- RATE
- $2.85
60-64
- RATE
- $2.41
65-69
- RATE
- $1.44
70+
- RATE
- $1.26