Disability Coverage

A disability can have significant financial impact on a family. Not only does the income from the disabled person stop, but expenses usually increase for care. BorgWarner’s disability coverage provides you with a source of income if you are unable to work because of a non-work related short or long-term illness or injury.

Short-Term Disability

As a BorgWarner employee, you are automatically provided with Short-Term Disability coverage (or Salary Continuation) at no cost to you. Coverage begins after you have been absent from work for a specified amount of time due to a non-work-related illness or injury. It pays a portion of your annual base pay while you are disabled. Benefits end when you recover, or after six months of disability, whichever comes sooner. Short-Term Disability benefits vary by location. Please contact Human Resources for details.

Long-Term Disability

Long-Term Disability coverage generally picks up where Short-Term Disability left off. Benefits begin if you have been disabled for more than six months and meet the insurer’s definition of disabled. Depending on which coverage option you elect, benefits pay up to 50% or 70% of your annual base pay. If you elect 70%, your benefit will also include the average of the past three years of bonus pay. Your Disability Insurance will continue if your Active Service ends because of a Disability for which benefits under the Policy are or may become payable. If you do not return to Active Service, this coverage ends when your Disability ends or when benefits are no longer payable, whichever occurs first.

Your Options

  • Long-Term Disability
    BorgWarner Provided
  • Long-Term Disability
    Optional LTD70
    (70% Annual Base Plus Bonus Earnings)

Comparing Long-Term Disability Coverage

Click on image for larger display.
Comparing Long-Term Disability Coverage

Pre-Existing Condition Limitation

Benefits are not payable for medical conditions for which you incurred expenses, took prescription drugs or medicine, received medical treatment, care or services (including diagnostic measures,) or for which a reasonable person would have consulted a physician during the 3 months just prior to the most recent effective date of insurance. The pre-existing condition limitation will apply to any added benefits or increase in benefits. Benefits are not payable for any disability resulting from a pre-existing condition unless the disability occurs after you have been under this plan for 12 consecutive months.

Leave Plan Vendor

 BorgWarner’s disability and leave programs including, Short-Term Disability (STD), Family Medical Leaves (FML), Paid Company Leaves, and State Mandated Leaves are administered by Alight.
New York Life Insurance Company (formerly Cigna) administers Long-Term Disability (LTD).

Contact Information:


Phone: 800-441-9628
Fax: 518-880-6895

New York Life:
Phone: 888-842-4462

For more information, please contact your local HR representative.

If you become disabled, you must file a disability claim and be under the care of a physician. Contact Alight at
+1 800-441-9628 to file a claim.

Click here to be taken to the Alight website.

A second opinion may be required at the Company expense.

Estimate your Disability Benefit Needs

You may think you have enough in savings, but that amount is usually less than what you need to pay bills and day-to-day living expenses. To get an idea of how much you rely on your income each month, try the online disability income calculator to compare your estimated available benefit and taxability under the two plans. Please click on this link:

LTD Online Calculator

*Please note that this tool is for illustrative purposes only. Contact your tax consultant for financial guidance.

In either long term disability plan, benefits are reduced by other income you may receive such as Social Security and/or Workers Compensation. Please see the appropriate group insurance certificate below. Cigna can advocate on your behalf to apply for Social Security benefits eligibility.



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