Short-Term Disability (STD)

Short-Term Disability (STD) coverage is available through MetLife and helps replace a portion of your income during a temporary disability:

• Benefit Coordination: Offsets income received from other sources (e.g., sick leave, vacation pay, state disability)
• Low Plan:
• Pays 50% of your weekly pre-disability earnings
• Maximum weekly benefit: $500
• High Plan:
• Pays 60% of your pre-disability weekly earnings
• Maximum weekly benefit: $1,500

Long-Term Disability (LTD)

Atlanta Public Schools offers Long-Term Disability (LTD) coverage through MetLife. This benefit provides income protection if you become totally disabled and unable to work:

• Benefit Amount: Up to 60% of your gross annual salary
• Elimination Period: 180 days (benefits begin after this period)
• Benefit Duration: Payable up to age 65 in most cases, with adjusted periods for disabilities occurring after age 65
• Premiums: Based on age and salary
• Enrollment: You must apply within 31 days of employment

Both STD and LTD benefits are designed to help provide financial support and peace of mind during a period of medical recovery.