Reliance Standard Disability Income Protection

If you become sick or injured and cannot work, disability insurance helps to protect your income while you recover.

Short Term Disability (STD)

Salaried Associates 
After you are declared disabled, you will receive 100% of your weekly earnings for up to 8 weeks, 75% for up to the next 8 weeks and 50% of weekly earnings for up to the next 10 weeks. 

Hourly Associates 
After you are declared disabled, you will receive 60% of your weekly earnings. Benefits will continue for up to 26 weeks. 

Long Term Disability (LTD)

HBC also provides salary continuation to protect your finances when your disability continues beyond the period covered by Short Term Disability Plan.

Salaried Associates 
You will receive 40% of your monthly covered earnings, up to a maximum of $12,500 per month ($100 minimum or 10% of monthly benefit). Salaries Associates can also elect to enroll in the buy-up Long Term Disability Plan, which pays 60% (an additional 20%) of your monthly earnings ($12,500 per month maximum, $100 minimum or 10% of monthly benefit). You pay the cost of the buy-up benefit through convenient payroll deductions. Rates are based on your age as of January 1st each year. 

Hourly Associates  
Hourly Associates can choose to enroll in core or buy-up Long Term Disability coverage. You will receive 40% of your monthly covered earnings under the core plan, or 60% of your monthly earnings under the buy-up plan ($12,500 per month maximum, $100 minimum or 10% of monthly benefit for both core and buy-up). You pay the cost of these benefits through convenient payroll deductions.  Rates are bases on your age as of January 1st each year.