GaBreeze offers short-term and long-term disability coverage.

Short-Term Disability (STD)
The plan will work in coordination with other deductible income to replace 60% of an annual benefit base rate during the plan year the disability began, up to $1,000 per week. STD benefits can continue until the individual recovers or ceases to be disabled for a maximum of 150 calendar days or a maximum of 173 calendar days, depending on the coverage level. An employee must choose a seven (7) day benefit waiting period or a thirty (30) day benefit waiting period. Premiums will be based on age, coverage level and annual benefit base rate.  

Long-Term Disability (LTD)
The plan works with other deductible income to assure that the combined disability benefits and deductible income from other sources will equal 60% of the individual's annual benefit base rate, up to $5,000 per month. LTD benefits will be calculated using the individual's annual benefit base rate, up to an annual maximum salary of $100,000. There is a minimum monthly benefit of $100.00. If the individual qualifies, LTD benefits will begin after they have been continuously disabled for 180 calendar days and end when they are no longer disabled or reach their social security normal retirement age. An age-graded maximum benefit period will apply if the individual becomes disabled after reaching age 62.