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Disability

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Disability Insurance Plans

 

 

 


The Town of Westborough offers two types of disability insurance: Short-Term Disability Insurance and Long-Term Disability Insurance.

Disability insurance protects your most valuable asset -- your income. It replaces a portion of your income if you become unable to work because of a covered illness or injury subject to any limitations in the policy.

Short-Term Disability Insurance:

The Town's carrier for short-term disability is Colonial Supplemental Insurance Company. For a portfolio brochure with additional information on this plan, please contact Human Resource (508-836-7702, Ext. 1021) or email rebhd@westboroughk12.org. Or contact our Colonial Representative, Scott Curtis, at (978-456-7717) or email colonialSJC@aol.com for rates and additional information. Below are some of the highlights of the plan:

  • You are paid regardless of any other insurance you may have with other insurance companies. Payments are made on top of sick time and workers compensation.
  • Benefits are paid directly to you, unless you specify otherwise.
  • Benefit amounts paid tax free from $400/month to 66% of your monthly gross pay (you choose the amount) for accidents or illness.
  • You choose the number of months to receive benefits (3, 6, 12, or up to 24 months).
  • Variable waiting periods -- the time out of work until Colonial starts to pay (0, 7, 14, 30, 60, 90, or 180 days).
  • On-the-job and/or Off-the-job protection available for accidents or illness.
  • Average cost between $5-$10 per week (depends on options selected).
  • Rates remain the same -- no increase in premium as you become older.
  • Maternity benefits.  Both Pre- and Postpartum included.
  • If you leave your employer, you can take your coverage with you at the same rates and benefit amounts.
  • You may keep your coverage at the same cost up to age 70.

Long-Term Disability Insurance:

The Town's carrier for long-term disability is Boston Mutual. For a portfolio brochure with additional information on this plan, please contact Human Resources (508-836-7702, Ext. 1021) or email rebhd@westboroughk12.org .