Disability

The disability plans are designed to replace a portion of your income if you are unable to work due to an accident or illness. These plans cover you continuously with both short term and long term benefits for qualifying disabilities. These coverages also provide the vital support, services and assistance you need to get back to work and to an independent lifestyle.

Disability Program Key Features

The following table summarizes the key features of the plans.

Disability Plans
Plan
Benefit Percentage
Benefit Begins
Maximum Benefit
Extended Sick Leave
100% of pay
After using 5 days of PTO (or combination of PTO and unpaid 5 days)
Up to 240 hours
Short Term Disability
60% of pay
1st day of accident or 8th day of sickness
$1,500 per week
(up to 13 weeks)
Long Term Disability
60% of pay
91st day of disability
$10,000 per month
 

This summary is provided for general information only. Since exclusions, dollar/frequency limitation and prior authorization may apply, you should refer to the specific plan documents for detailed information.

Extended Sick Leave

Sick leave is intended to provide income protection in the event you are unable to work due to your (or a member of your immediate family) disabling illness or injury.

You are automatically enrolled in Extended Sick Leave on the first day of the month following your date of hire.

Extended sick leave accrues at a rate of 1/2 day (4 hours) per month (1.85 hours each pay period) for an employee working 40 hours per week. This amount is prorated if you work less than 40 hours per week.

Short Term Disability (STD)

STD benefits generally begin the first day of an accident or eighth day of sickness if you are unable to perform all of the material and substantial duties of your own occupation and as long as you are not engaged in any occupation for wage or profit, as determined by the insurance company.

  • If you enroll for coverage within your initial eligibility period, your coverage will be effective on the first day of the month following your date of hire.
  • If you do not enroll for coverage within your initial eligibility period, you may enroll for coverage during the next Open Enrollment period. You should keep in mind that you will be required to provide evidence of insurability satisfactory to the insurance company before the coverage will become effective.

STD benefits pay up to 60% of pay (maximum $1,500 per week).

STD benefits continue for up to 13 weeks as long as you remain disabled as determined by the insurance company. STD benefits will be offset by any Extended Sick Leave benefit.

Long Term Disability (LTD)

You are automatically enrolled for LTD insurance on the first day of the month following your date of hire. LTD benefits begin after you have been disabled for 90 days, as determined by the insurance company. LTD benefits pay up to:

  • 60% of your pay to a maximum of $10,000 per month

LTD benefits generally continue as long as you remain totally disabled, up to age 65 (benefit period could be longer if your disability begins at age 60 or later). LTD benefits will be reduced by any other benefits you may be eligible to receive, such as state disability benefits, Wokers' Compensation or Social Security disability benefits.

Your Cost

Your employer pays the full cost of Extended Sick Leave and LTD and you pay the full cost of the STD plan.

Refer to the section titled Employee Contributions for the applicable cost.