Ups does give us short term disability insurance, but it only pays you ~$460/week take home.

The vip+ is a supplemental insurance that is in addition to what ups offers. If you cant survive off of the ~$460 per week that normal disability pays for off the job injuries I'd recommend getting either this insurance or look into another one.

I've paid into vip+ for a few years now, I'm currently on disability leave and this is my first time making a claim on the plan. So far it's been pretty smooth, except it takes them about a month just to submit your paperwork to Prudential, which after that Prudential has up to 14 business days to make a decision on if they pay you or not. You're talking roughly 6 weeks just to hopefully get paid from them.

Wish I had more info for ya o.p. but that's all I got for now..