Disability insurance

Basic short-term disability insurance provided at no cost to you

In the event of a short-term disability (STD), eligible employees have financial protection. Our Basic STD policy pays a percentage of your weekly income for up to 26 weeks while you are out of work after a nonwork-related accident, pregnancy or illness. You are automatically enrolled in Basic STD coverage at no cost to you.

This benefit is available to employees who meet all of the criteria below:

• You are full-time or part-time, with a work status of at least 20 hours per week – 0.5 FTE or above.
• You have a disability that occurs on or after the first day of the month following the first 6 months of continuous service in a benefits-eligible position at the health system.
  • For example: You started with the health system on January 10. Presuming you are at least 0.5 FTE during the entire time, you will be eligible for STD on August 1.
• The Hartford determines if your medical condition qualifies for this benefit.
• Payments are issued by The Hartford.

*Taxed when paid to employee.

Buy-up short-term disability insurance

You can choose more STD coverage with a buy-up plan that’s paid for by both you and the health system. You may enroll only during your initial eligibility period (new employees or those newly eligible for benefits) or annual benefits enrollment (existing employees).

Coverage after the initial eligibility period will be subject to Evidence of Insurability (EOI).

Note: Employees must maintain 0.5 FTE for 6 months before being eligible for STD benefits.

*Taxed when paid to employee (applies to first 40% of buy-up option as well).

Long-term disability insurance provided at no cost to you

The health system provides long-term disability (LTD) insurance at no cost to you for long-term covered injury or illness. LTD pays a monthly benefit for eligible employees, providing income protection after 6 months of a covered short-term disability.

*Taxed when paid to employee.