Disability insurance

The disability benefits discussed here are for:

• benefits-eligible employees
• nonwork-related situations. For work-related illness or injury, view details about Workers’ Compensation

Short-term disability insurance

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 6 months 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 reached 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 your medical condition qualifies for this benefit.

Buy extra coverage

You can choose more STD coverage with the Buy-up STD plan that’s paid by both you and the health system. You must provide evidence of insurability (EOI) if you did not choose this coverage during your initial eligibility period. The buy-up benefit does not require EOI during your initial eligibility period. 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

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