GROUP SHORT-TERM DISABILITY INSURANCE BENEFIT HIGHLIGHTS
UC Physicians, Inc. A disability can happen to anyone. A back injury, pregnancy, or serious illness can lead to months without a regular paycheck. If you’re unable to work for a short period of time due to a non-work-related condition, illness or injury, short- term disability insurance offers financial protection by paying you a portion of your earnings.
To learn more about Short-Term Disability insurance, visit thehartford.com/employeebenefits
In the U.S., a disabling injury occurs every second. 1
COVERAGE INFORMATION BENEFIT PERCENTAGE MAXIMUM
SICKNESS BENEFIT STARTS On the 15 th day sick
INJURY BENEFIT STARTS On the 15 th day injured
ASKED & ANSWERED WHO IS ELIGIBLE? You are eligible for this insurance if you are an active full-time or part-time employee, who works at least 15 hours or more per week on a regularly scheduled basis AM I GUARANTEED COVERAGE? If this is the first time you are eligible to elect coverage, evidence of insurability is not required. If you did not elect coverage the first time it was offered to you, evidence of insurability is required to elect coverage. This coverage is subject to a pre-existing condition exclusion which is detailed on the Limitations & Exclusions sheet. 3 WHEN CAN I ENROLL? You are required to enroll in this coverage. Enrollment will take place during any scheduled enrollment period, within 31 days of the date you have a change in family status, or within 31 days of the completion of any eligibility waiting period established by your employer. WHEN DOES THIS INSURANCE BEGIN? Subject to any eligibility waiting period established by your employer, insurance will become effective in accordance with the terms of the certificate (usually the first day of the month following the date you elect coverage). You must be actively at work with your employer on the day your coverage takes effect. WHEN DOES THIS INSURANCE END? This insurance will end when you no longer satisfy the applicable eligibility conditions, premium is unpaid, you leave your employer, or the coverage is no longer offered. WHAT DOES IT MEAN TO BE DISABLED? Due to accidental bodily injury, sickness, mental illness, substance abuse or pregnancy you are unable to perform the essential duties of your occupation, and as a result, you are earning 20% or less of your pre-disability weekly earnings or you are able to perform some, but not all, of the essential duties of your occupation and as a result, you are earning more than 20% but less than 80% of your pre-disability weekly earnings. If you are a physician, your occupation means the general or sub-specialty in which you are practicing for which a specialty or sub-specialty is recognized by the American Board of Medical Specialties. If the sub-specialty in which you are practicing is not recognized by the American Board of Medical Specialties, you will be considered practicing in the general specialty category. Pre-disability earnings are defined in your policy.
Supplemental Benefit s 7
UC PHYSICIANS, INC. STD BHS_PUBLICATION DATE: 07/29/2019
FULL-TIME AND PART-TIME EMPLOYEES
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