Financial Well-being

Disability insurance

If you have a nonwork-related accident, pregnancy or illness and can’t work, disability insurance provides eligible employees with financial protection. For work-related illness or injury, view details about Workers’ Compensation.

Beginning Jan. 1, 2027, Aflac is the administrator for all leaves, including short- and long-term disability. Aflac is the administrator of our programs for disability insurance. To learn more, visit the Disability insurance page on the Aflac learning hub.

Short-term 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 Jan. 10. Presuming you are at least 0.5 FTE during the entire time, you will be eligible for STD on Aug. 1.
Aflac determines if your medical condition qualifies for this benefit.
Payments are issued by Aflac.

Basic short-term disability
Benefits percentage	40% of weekly base earnings*
Maximum weekly benefit	Up to $1,500
Employee cost	$0

*Taxed when paid to employee.

Buy-up short-term disability insurance

You can choose more STD coverage with a buy-up plan. Purchasing the extra coverage has no restrictions for pre-existing conditions. You may enroll only during your initial eligibility period (new employees or those newly eligible for benefits) or annual benefits enrollment (existing employees).

One-time offer during 2027 annual benefits enrollment only

All benefits-eligible employees can purchase buy-up STD without showing evidence of insurability (EOI). In future enrollment periods, EOI will be required.

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

Buy-up short-term disability
Benefits percentage	66 2/3% of weekly base earnings*
Maximum weekly benefit	Up to $2,500
Employee cost	Premium based on weekly earnings. To know your cost, go here and click "Enroll Now" during enrollment period.

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

Long-term disability insurance

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.

Long-term disability
Benefits percentage	60% of base earnings*
Maximum monthly benefit	$15,000
Employee cost	$0

*Taxed when paid to employee.

Understand eligibility criteria for disability benefits

Employees are eligible to apply for short-term disability benefits for disabilities that occur on or after the first day of the month following six months of eligibility.