Overview

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.

Short-Term Disability Insurance (STD)

  • Coverage begins after 5 days of disability.
  • 100% of your salary up to 13 weeks; 70% for the next 13 weeks; however, if you have been with DSM for three months, you have less than 1 year of service; the first 4 weeks are paid at 100% and the next 22 weeks are paid at 60%.
  • Benefits end after 26 weeks.

Note: DSM Engineering Plastics Bargaining Unit employees are eligible for Weekly Income Benefits instead of STD coverage.

Long-Term Disability Insurance (LTD)

  • Pays benefits after 180 days of disability
  • LTD core coverage replaces 60% of your monthly base pay up to a maximum of $10,000 per month.

LTD Buy-Up

  • You can purchase additional coverage that replaces additional base pay, for a total of 70% of your monthly base pay up to a maximum benefit of $15,000 a month.

Note: DSM Engineering Plastics Bargaining Unit employees are not eligible for LTD coverage.

warningLTD Pre-Existing Conditions Limitation

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.