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

Family Leave Benefit in 2020

If you take time off to bond with a new baby or care for another family member in 2020, you will receive 66 2/3% of your regular pay through December 31, 2020. Your benefit will increase to 100% of your pay on January 1, 2021.

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].