Disability
Disability Insurance is protection for one of your most important assets: your ability to earn an income. Disability coverage provides an income replacement benefit if you are ill or injured and unable to work. Dahmes generously provides both Short Term Disability and Long Term Disability to all employees.
Short-Term disability coverage provides a temporary income replacement benefit in the event that you are unable to work due to a non-job-related illness or accident. The Short Term Disability product is ONLY for employees working outside the state of Minnesota.
Long-Term disability coverage provides a long-term income replacement benefit in the event that you are unable to work due to a non-job-related illness or accident. Long Term Disability applies to all employees.
Short Term Disability - For Employees working outside the State of Minnesota
Long Term Disability - For ALL employees (working in or out of the state of Minnesota)
Pre-Existing Conditions - Long Term Disability
A pre-existing condition is an illness or injury for which you received treatment or where symptoms were present within 3 months prior to your effective date of coverage. A disability that begins in the first 12 months after your effective date will not be covered if it results from a pre-existing condition.
