Disability
Disability coverage provides an income replacement benefit in the event you miss work due to an accident or illness, and are unable to work due to a temporary or permanent disability. When you are making your benefit election, it is recommended that you consider how long you would be able to pay your bills without a continuous income should you not be able to work.
Employees are eligible to enroll in Short Term Disability, Long Term Disability, or both.
The disability plan includes a pre-existing conditions limitation. A pre-existing condition is a condition for which the employee has received treatment, consultation, care or services during the 3 months immediately prior to the employee’s effective date of disability insurance. Benefits are not paid for a disability caused by/contributed to by a pre-existing condition until the end of 12 months from the employee’s effective date of insurance.
Important Notes
Short Term Disability Plan
- Pays on the 15th day after accident or sickness begins
- Maximum Benefit Period: 90 Days
- Benefit Amount: Up to 60% of earnings paid weekly to a max of $1,250 per week (minimum $25 per week)
Long Term Disability Plan
- Pays on the 91st day after accident or sickness begins
- Maximum Benefit Period: To age 65 or Social Security Normal Retirement Age
- Benefit Amount: Up to 60% of earnings to a max of $5,000 per month (minimum $100 per Month)
Pre-Existing Conditions
Pre-Existing Condition Exclusion
A pre-existing condition is a sickness or physical condition for which you have been diagnosed or treated during the immediate 3 months prior to your coverage effective date.
You may elect up to the maximum benefit as a new hire with no health questions. Future increases in coverage will be subject to the pre-existing condition limitation.
Short Term Disability Example - Normal Delivery (Pregnancy)
In this example, the employee has had STD coverage for over a year, and the employee has 18 sick days.
- Delivery Date: November 1
- Approved Short-Term Disability Benefit: 6 weeks
- Elimination Period (no STD benefit): November 1 – November 14
- Sick Days Used: November 1 – November 26
- STD Benefit Begins: November 27
- Benefit Duration: Through December 13
