Disability
The need to be better prepared for life events that keep us out of work has become more important than ever before. Disability insurance may help provide a steady stream of income to help cover your bills and expenses when an injury or illness keeps you away from work.
Safeguard your salary with disability insurance
Check out Kimberly-Clark’s Disability Guide to learn more about the disability claim process including how to file a claim and the key things to know and do.
Find details about the disability benefits available to you by logging into your kcbenefitcompass.com account and clicking on Plan Information to access your Disability Summary Plan Description.
Help replace a portion of your income if you cannot work.1
Kimberly-Clark provides both Short-Term Disability (STD) and Long-Term Disability (LTD). If you’re unable to work due to a covered illness, injury, surgery or childbirth, disability benefits help provide financial support. The maximum STD benefit period is 26 weeks, and if your disability continues beyond 26 weeks, your claim will be transitioned for LTD review.
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Life has changed, but the need to protect and provide for loved ones has not.
How much disability insurance should you have?
Disability Insurance
If serious injury or illness keeps you from working, disability insurance may help you maintain your quality of life while recovering.
Special Considerations
If you work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”), you should carefully consider whether to enroll for this coverage. In California, Hawaii, Massachusetts, New Jersey, New York, Puerto Rico, Rhode Island, Washington (and Connecticut starting 1/1/22, Oregon starting 1/1/23, and Colorado starting 1/1/24), if eligible, you must apply for State Benefits. Your STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your compensation, the amount of the State Benefit, and other factors, you may only receive the minimum weekly benefit. Please consider, based on your individual circumstances, whether you need additional coverage beyond the State Benefit.
1 Like most disability income insurance policies, MetLife’s policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife representative about costs and complete details. For policies issued in New York: These policies provide disability income insurance only. They do NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. The expected benefit ratio for these policies is at least 50%. This ratio is the portion of future premiums that MetLife expects to return as benefits when averaged over all people with the applicable policy.
2 LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Year-End 2020.