Your Wealth


Sometimes the unexpected happens—and if it does, we want you to be protected financially. These benefits are here to give you and your family financial security and peace of mind.

Short-term disability and long-term disability replace a portion of your income if you're unable to work because of an illness or injury. Crown Castle provides short-term disability and long-term disability at no cost to you. You can purchase additional long-term disability at group rates on an after-tax basis.

Benefits Begin... On the 8th day of disability (accident or illness) After you've been disabled for 26 weeks (180 days)
Benefit Amount 100% of your base weekly earnings for up to 10 weeks, then 60% of your base weekly earnings for up to 16 more weeks 50% of your base monthly earning, up to $12,500 per month
Benefit Duration Up to 26 weeks Up to age 65, depending on the severity of your disability (maximum benefit period is reduced if you become disabled after age 60)
Benefits Are Offset By... Any state-provided disability benefits for which you may be eligible Any Social Security benefit for which you may become eligible

Additional LTD Direct Link

If you want more LTD coverage than the company provides, you can purchase additional LTD at group rates.

  • Pays you an additional 20% of your base monthly earnings, up to $17,500 per month.
  • Brings your total income replacement to 70% of your base monthly earnings.
  • You pay 100% of the premium cost on an after-tax basis.

Additional LTD Buy-Up Rate Direct Link

LTD Buy-Up Monthly Rate per $100 of Buy-Up Coverage
20% Additional (70% total) $0.099