GROUP LONG-TERM DISABILITY INSURANCE BENEFIT HIGHLIGHTS
UC Physicians, Inc. A disability can happen to anyone. Long-term disability insurance helps protect your paycheck if you’re unable to work for a long period of time after a serious condition, injury or sickness.
Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire (age 67). 1
To learn more about Long-Term Disability insurance, visit thehartford.com/employeebenefits
COVERAGE INFORMATION BENEFIT PERCENTAGE (PERCENT OF YOUR EARNINGS) MAXIMUM
MINIMUM (BASED ON MONTHLY INCOME LOSS BEFORE THE DEDUCTION OF OTHER INCOME BENEFITS)
BENEFIT STARTS (ELIMINATION PERIOD)
Disabled before: Age 63 Benefit Duration: As long as you are disabled or until Social Security Normal Retirement Age
The greater of $100 or 10% of the benefit
After 90 days disabled
ASKED & ANSWERED WHO IS ELIGIBLE? You are eligible for this insurance if you are an active full-time or part-time physician, fellows or residents, who works at least 15 hours per week on a regularly scheduled basis, excluding on-call hours. 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? Typically, disability means that you cannot perform one or more of the essential duties of your occupation due to injury, sickness, pregnancy or other medical condition covered by the insurance, and as a result, your current monthly earnings are less than 80% of your pre-disability 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 9
UC PHYSICIANS, INC. LTD BHS_PUBLICATION DATE: 07/29/2019
FULL-TIME AND PART-TIME PHYSICIANS
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