ARA Diagnostic Imaging Disability Insurance
Most people underestimate their likelihood of being disabled at some point in their life. Disability insurance replaces part of your pay while you are unable to work so you have a continuing income for living expenses.
Prudential
Policy/group #: 53011
Call (Life Claims): (800) 524-0542
Call (Disability Claims): (800) 842-1718
Website: prudential.com/mybenefits
ARA Diagnostic Imaging Voluntary Short-Term Disability (STD)
Short-Term Disability (STD) is a voluntary benefit that can help supplement your income because it pays you a benefit if you are temporarily unable to work for reasons like:
- Pregnancy issues and childbirth recovery
- Prolonged illness or injury
- Surgery and recovery time
How Short Term Disability Works
| Weekly benefit amount | Benefit begins | Maximum payment period |
| 60% of covered weekly earnings up to a maximum of $1,200 | After 0 days of disability due to accident or 14 days due to sickness | Up to 11 weeks |
ARA Diagnostic Imaging Practice-Provided Long-Term Disability (LTD)
Long term disability helps replace your income when you have to face longer-term medical issues such as:
- Debilitating illness (cancer, heart disease, etc.)
- Serious injuries (accident, etc.)
- Heart attack, stroke, mental disorders
How Long Term Disability works
| Weekly benefit amount | Benefit begins | Maximum payment period | |
| Teammates earning up to $130,000 | 60% covered monthly earnings up to $6,500 per month (taxable) | After 90 days | Social Security normal retirement age (The age at which disability begins may affect the duration of benefits.) |
| Teammates earning over $130,000 | 60% covered monthly earnings up to $15,000 per month (taxable) | ||
| Executives/Sr. Directors/Officers | 60% covered monthly earnings up to $15,000 per month (non-taxable) | ||
| Physicians | 60% covered monthly earnings up to $20,000 per month (non-taxable) | ||
