Income Protection

An employee's loss of income due to an illness or accident can have dramatic and lasting consequences for the employee and family. Lowe's offers coverage for the loss of your earning power due to illness or injury through the following plans:

Basic Sick Pay
Short Term Disability Insurance
Long Term Disability Insurance

Basic Sick Pay

Eligibility: All regular full-time employees after 89 days of continuous employment.

Sick days are accrued at a rate of six days (48 hours) per year. Unused sick days may be carried forward with no limit on days accumulated.

Sick days can also be used for the birth or adoption of a child.
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Short Term Disability Insurance

Eligibility: All regular full-time salaried employees, first day of employment. All regular full-time hourly employees, after 89 days of continuous employment.

For full-time hourly employees, the benefit begins on day 15 of a continuous disability, or the first day after all* basic sick pay hours have been used.

For full-time salaried employees, the benefit begins after 3 days of continuous disability and all* basic sick pay hours have been used. The benefit will retro back to day 1 if no basic sick pay hours are available.

*Employees on medical leave may retain up to 48 accrued sick hours for use upon returning from leave.

Benefit payments are:


  • 60% of normal base pay, up to $4,615 per week for regular, full-time hourly employees
  • 100% of normal base pay per week for regular, full-time salaried employees

Benefits are payable for up to 11 weeks for hourly employees and 13 weeks for salaried employees.

Disability benefits for employees in California, Hawaii, New Jersey, New York, and Rhode Island differ, based on state law
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Long Term Disability Insurance

Eligibility: All regular full-time employees after 89 days of continuous employment.

This Plan provides disability income protection in the event of severe, lasting illnesses or injuries. The Plan coordinates with Workers' Compensation and Social Security benefits to provide eligible employees with a monthly benefit of 60% of normal base pay and management bonus (if eligible), up to $20,000 per month after 90 days of continuous disability.
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Lowe’s is an equal opportunity affirmative action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, or disability.

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