Buy up disability table

 STD Buy-UpLTD Buy-Up
Amount of your earnings replacedBase Salary replaced: Additional 20% to a $2,000 maximum (Core + Buy-Up) weekly benefitAdditional 20% to $25,000 maximum (Core + Buy-Up) monthly benefit
Period of disability before benefits begin7 days90 days
CostYou pay the cost difference between Buy-Up and core via payroll deduction
Benefit taxation100% taxable27% taxable
EnrollmentMay enroll when first eligible; may enroll or cancel during annual open enrollment