The loss of income due to illness or injury can cause serious financial hardship for your family. Disability insurance replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this difficult time. Short-term disability and basic long-term disability are provided automatically by DSM at no cost to you — enrollment is not required.
Note: DSM Engineering Materials Bargaining Unit employees are eligible for Weekly Income Benefits instead of STD coverage.
Note: DSM Engineering Materials Bargaining Unit employees are not eligible for LTD coverage.
You will not be eligible for LTD benefits for a pre-existing condition if you received medical treatment, consultation, care or services, took a prescribed medication, or followed treatment recommendations for the three-month period just before your coverage under the LTD plan becomes effective. Likewise, you will not be eligible for LTD benefits for a pre-existing condition if you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the three months before your coverage under the LTD plan becomes effective. The pre-existing limitation applies if you have not been covered by Core or Buy-up LTD for at least 12 months.
If you become disabled, you may be eligible for Social Security Disability Insurance. To learn more about how to apply, visit the Social Security website, or you can call the toll-free number: 1-800-772-1213. You should apply for benefits as soon as you become disabled.