We provide income replacement for medical disabilities and maternity through short-term and long-term disability insurance, administered by Lincoln Financial Group. If you are an active full- or part-time employee, you are eligible for disability coverage.

Your short-term disability coverage depends on whether you live and work in California. You can choose between two options for both short-term and long-term disability coverage.

If you need to use your disability benefits, speak with your manager about taking a leave of absence from work, then visit Lincoln Financial Group (Company Code: ADOBELOA) (SSO) or call 800-459-3772 to initiate your leave.

If you live and work outside of California, you have two options for short-term disability (STD) coverage through Adobe.

The STD Plus plan pays 100% of your salary for weeks 2–10 of a disability. This is the coverage you currently have. Beginning January 1, 2026, the STD Plus plan will require an employee contribution each pay period.

The cost for the STD Plus plan is 0.15% of your annual base salary (TTC if sales), divided by the number of pay periods in the year.

The STD Basic plan is a new option that pays 80% of your salary for weeks 2 through day 120 of disability. There is no cost to you for this coverage.

Both plans then pay 66.67%, up to a maximum weekly benefit of $3,500, for weeks 11 through day 120.

In addition to Adobe disability coverage, you may be partially covered by an applicable state disability plan. If you are disabled due to a job-related illness or injury, you may be eligible for Workers’ Compensation benefits.

How to choose your option

You can enroll in the STD plan you want during Open Enrollment or during your new hire enrollment period. If you do not make a choice, you will default to the STD Basic plan.

You have two options for long-term disability plan coverage. Both options pay a benefit that is tax-free.

• LTD Plus plan aligns most closely with the current LTD plan coverage you have now. It pays 66.67% of your salary up to an enhanced monthly maximum of $20,000. There is a new per-paycheck contribution for 2027. Adobe contributes the cost of LTD Basic plan coverage toward the Plus plan, if you elect it. You pay the balance plus tax on the value of Adobe's contributions.
• LTD Basic plan pays 50% of your monthly salary up to $15,000 per month. There is no cost to you for this coverage. Adobe pays the cost LTD Basic plan coverage, and you pay tax on the value of Adobe’s contributions.

Electing coverage

You can choose between the two plans during Open Enrollment and view your coverage rates on the benefits enrollment site. If you don’t take action, you’ll be enrolled in the LTD Plus plan, which includes a new paycheck contribution.

New employees in 2027 will be enrolled automatically in the LTD Basic plan unless you elect the LTD Plus plan during new-hire enrollment.

Paycheck contributions

Note that whichever option you elect, your paycheck will show the amount that Adobe pays toward your LTD plan coverage added to your earnings and then subtracted as an after-tax deduction. This ensures any benefit you receive would be tax-free.

When benefits begin

If you are unable to work for more than 120 days due to a medical disability, long-term disability (LTD) begins to pay benefits on the 121st day, pending approval.

When benefits end

Whereas an Adobe medical leave may last for up to 12 months, LTD benefits generally provides income replacement up to age 65, based on medical documentation.

You can find the disability policies in the Resources section of this site.