Choosing the Short Term Disability (STD) plan gives you income protection in case you become disabled due to illness or a non-occupational injury. The Short Term Disability plan is fully-insured through The Hartford. Effective September 1, there is no monthly premium change for the STD plan.
After a 30-day elimination period requirement has been satisfied or after you use all of your sick leave (whichever is longer), if your disability claim is approved, you will be eligible to receive 60% of your covered salary. Benefits under this program will be decreased by deductible sources of income or other disability benefits received from other sources. Your total disability pay, including other sources of income, cannot be more than 60% of your covered salary.
| Weekly Benefit |
60% of weekly earnings up to a maximum benefit of $693.00 per week subject to reduction by deductible sources of income or disability earnings. |
| Elimination Period |
Accident: Thirty (30) days
Sickness: Thirty (30) days |
| Maximum Period Payable |
22 Weeks; 4 weeks for pre-existing conditions |
| Definition of Disability |
Occupation Definition: You are unable to perform the duties of your regular occupation because of sickness or a non-occupational injury. OR Earnings Definition: You are working, but you are unable to earn more than 80% of your pre-disability earnings because of sickness or non-occupational injury. |
| Sick Leave |
You must exhaust all of your sick leave before benefits are payable. |
| EOI |
All previously eligible employees must complete an Evidence of Insurability form. |
| Pre-Existing Condition |
A pre-existing condition is a condition for which medical treatment or advice was rendered, prescribed or recommended within three (3) months prior to the employee's effective date of STD insurance. A condition will no longer be considered pre-existing if it causes disability that begins after the employee has been insured under the Short Term Disability policy for a period of twelve (12) months. |
| Other Exclusions |
Disabilities resulting from war, suicide or felony, occupational accident or sickness or while incarcerated. |
| Definition of Monthly Earnings |
Monthly Earnings will equal 1/12th of your rate of basic annual earnings on the later of
- the September 1st immediately prior to your Date of Disability; or
- the last date you were actively at work if not employed by your employer on the September 1st immediately prior to the Date of Disability.
Monthly Earnings includes
- Hazardous duty pay;
- Longevity pay;
- Employee contributions made through a salary reduction agreement with your employer to an IRC Section 401(k), 403(b), 501(c)(3), 457 deferred compensation plan, or any other qualified or non-qualified employee Retirement Plan or deferred compensation arrangement; and
- Amounts contributed to Your fringe benefits according to a salary reduction arrangement under an IRC Section 125 plan;
Monthly Earnings does not include
- Commissions;
- Bonuses;
- Overtime pay;
- Your employer’s contribution on your behalf to a Retirement Plan or deferred compensation arrangement; or
- Any other extra compensation.
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