You’re protected financially when you’re unable to work because of your own injury or medical condition (including pregnancy), or because you’re caring for a family member who is ill or injured. 

Short-Term Disability (STD)

Short-term disability (STD) insurance replaces some of your regular pay when you must miss work for more than a week because you’re having a baby, recovering from an illness or injury, caring for a family member, or are at increased risk for COVID-19 as a result of certain medical conditions. In these situations, you’ll initiate a leave of absence with TRISTAR, which will start your STD benefits.

Your STD plan depends on where you live.

In California

Outside California

Long-Term Disability

You receive long-term disability (LTD) insurance automatically, and Lam pays for the cost of coverage.

If you remain unable to work after your short-term disability coverage ends, TRISTAR will notify Standard Insurance Company. Standard will determine your eligibility for LTD benefits and will manage the claim. 

You’ll receive 60% of your regular pay, untaxed, up to a maximum of $20,000 per month. The duration of your LTD benefit depends on your age when the benefit begins: 

Age at Start of LTD Benefit Duration
64 and under Up to Social Security normal retirement age (SSNRA)
65–68 To age 70
69+ One year

To learn more, review the certificate for Long-Term Disability Insurance [PDF].