DISABILITY INSURANCE
The goal of Spring Harbor’s Disability Insurance Plan is to provide you with income replacement should you be unable to work due to a non-work-related illness or injury. The company provides employees with the option to purchase voluntary Short-Term Disability income benefits. Long-Term Disability is provided to you by the company. Both the Short-Term and Long-Term Disability coverages are offered through MetLife. Rates will be automatically calculated and shown in Employee Navigator during the enrollment process.
MetLife Short-Term Disability Insurance
Plan Type:
Voluntary
Eligibility Requirement Benefit Percentage Maximum Weekly Benefit Guaranteed Issue Amount Accident Elimination Period Sickness Elimination Period
All Active Employees 60% of Weekly Earnings
$1,000 $1,000 0 Days 7 Days
3 Month Pre-Existing / 12 Month Waiting Period
Pre-Existing Condition Limitation
Benefit Duration
26 Weeks
MetLife Long-Term Disability Insurance
Plan Type:
Employer Paid
Eligibility Requirement Benefit Percentage Maximum Monthly Benefit Guaranteed Issue Amount
All Active Employees
60%
$5,000 $5,000
Elimination Period
180 Days 2 Years Included 24 Months 24 Months
Own Occupation Coverage Partial Disability Benefit Mental & Nervous Limitation Drug & Alcohol Limitation Pre-Existing Condition Limitation
3 Month Pre-Existing / 12 Month Waiting Period
SSNRA
Benefit Duration
Spring Harbor 2025 Benefits Guide |
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