Disability Insurance

Short-Term Disability (STD)

Short Term Disability (STD) coverage is provided through New York Life for eligible employees. STD insurance protects a portion of your income if you become partially or totally disabled for a short period. Coverage options vary by location, please visit www.getardentbenefits.com/enroll for details on short-term disability coverages and costs.

 Long-Term Disability (LTD)

Long Term Disability (LTD) coverage is provided through New York Life for eligible employees. Long-Term Disability (LTD) Insurance pays a benefit if you become ill or injured and are unable to work for an extended period of time. If you become ill or injured, the LTD plan pays benefits after you met the waiting period and your claim is approved. You receive a percentage of your salary up to a monthly maximum.

Coverage continues until you are no longer disabled, as defined by the contract, or you reach your Social Security normal retirement age.

Eligible employees are automatically covered at no cost under the company-provided LTD plan. Some employees may be eligible to purchase optional LTD insurance. 

Benefits Plan Details

Certain exclusions, along with pre-existing condition limitations, may apply. Please refer to your Summary Plan Description for details.  Please visit www.getardentbenefits.com/enroll for eligibility and cost details on optional (where available) for STD and LTD coverages. See our Eligibility and Enrollment page for details on who can enroll in coverage.

How to File Your Disability Claim

Employees pursuing a leave of absence should notify their manager or HR department through their normal procedures. To file a claim with New York Life, please go to www.mycigna.com or call 800.362.4462. Additional instructions on how to file an STD or LTD claim can be found here