Disability insurance protects your income by financially supporting you and your family when you are unable to work. We partner with MetLife to provide this coverage. In 2026, benefit-eligible employees will receive company-paid Short-Term Disability coverage at 60% of their weekly earnings (up to $1,500).

Click the options below for more information and reference the rates in your enrollment guide.

Acadia now offers an employer-paid short-term disability (STD) benefit at 60% of an employee’s weekly earnings up to the maximum of $1,500.

Acadia also offers Long-Term Disability (LTD) insurance for you to elect at discounted group rates. Once you are approved, you will receive benefits on the 91st day of disability. This plan pays 60% of your pre-disability income:

  • Up to a $5,000 monthly benefit for employees making less than $100,000
  • Up to a $10,000 monthly benefit for employees making $100,000 or more

The plan will pay you benefits for the duration of an approved disability to age 65 or Social Security Normal Retirement Age, whichever is later.

Benefits will not be paid for disability due to: (1) a result of a self-inflicted injury, (2) not being under the regular care of a doctor when requesting disability benefits, or (3) involvement in a felony commission, act of war or participation in a riot. Additional details can be found in the plan summary located in UltiPro under the My Company page or you may request from Human Resources.

Resources

Guide to Disability and Absence Reporting

Pre-Existing Condition Limitation

A pre-existing condition exclusion period is a window of time, after your disability plan takes effect, when a pre-existing condition (or multiple pre-existing conditions) will not be covered by the plan. This means that if any condition you receive medical attention for in the three months before your coverage begins results in a disability during the first 12 months after your coverage begins, this disability would not be eligible for a benefit payout under your plan.

The following plans have pre-existing condition exclusions:

  • Both voluntary LTD plans

Example of Pre-Existing Condition Limitation:

  • Sarah elected voluntary LTD during Open Enrollment, with an effective date of January 1, 2026. In March 2026, she became disabled due to a back condition she was treated for in October 2025 (within the three-month look-back period). Because the disability occurred within 12 months of her coverage start date, this condition would not be covered under her policy.

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