Benefits at a Glance
Employees have the option to choose between two STD Plans. Benefits will continue as long as continuously disabled, up to 26 weeks. The benefit amount equals 60% of pre-disability earnings, up to a maximum benefit of $1,000 per week.
- Plan A – Benefits begin the 8th day of disability due to sickness or accident and will continue as long as continuously disabled, up to 26 weeks.
- Plan B – Benefits begin the 15th day of disability due to sickness or accident and will continue as long as continuously disabled, up to 26 weeks.
Rates
Monthly payroll deduction costs are based on employee’s age and earnings, as of July 1st. Premiums are adjusted annually for age and salary changes.
Below are the rates per $10 of weekly benefit:
| Age | Plan A | Plan B |
|---|---|---|
| < 25 | $.59 | $.53 |
| 25 – 29 | $.61 | $.56 |
| 30 – 34 | $.63 | $.57 |
| 35 – 39 | $.57 | $.52 |
| 40 – 44 | $.61 | $.56 |
| 45 – 49 | $.75 | $.68 |
| 50 – 54 | $.93 | $.84 |
| 55 – 59 | $1.12 | $1.02 |
| 60 + | $1.32 | $1.21 |
Benefits
Employees can elect Short Term Disability to provide a benefit equal to 60% of pre-disability earnings, to a maximum weekly benefit of $1,000. Employees can choose the plan that best fits their needs. STD Benefit Highlights
Employee enrolled in the either Option will receive Additional Services from The Hartford including Ability Assist Counseling Services and Travel Assistance with ID Theft Protection.
Plan Design
Options Available
Plan A – Benefits begin the 8th day of disability due to sickness or accident and will continue as long as continuously disabled, up to 26 weeks.
Plan B – Benefits begin the 15th day of disability due to sickness or accident and will continue as long as continuously disabled, up to 26 weeks.
Pre-existing Limitation & Evidence of Insurability
Employees who apply when first eligible are covered on a guarantee issue basis. All new coverage is subject to the “pre-existing condition” limitations described below.
Employees enrolling as “late entrants” must submit evidence of insurability satisfactory to The Hartford.
Pre-existing Limitation: A Pre-existing Condition is an injury, sickness or pregnancy for which the employee, in the past three (3) months, before the effective date; received medical treatment, consultation, care, services, prescription medications or had medications prescribed. No benefits would be payable under the plan in connection with a disability that is due to a pre-existing condition unless the employee’s elimination period started after they were insured under the plan for twelve (12) consecutive months.
Certificate of Coverage
The following is the Summary Plan Description for all Plans with The Hartford.
Short Term Disability begins on page 13