2024-2025 Armor Health Benefits Guide
DISABILITY INCOME BENEFITS Aflac | UnitedHealthcare
When you’re healthy, it’s hard to imagine not being able to work because of a serious illness or injury. But a disability that keeps you out of work could have a devastating impact on your income, jeopardizing your ability to cover normal household expenses. Disability insurance continues a portion of your income if you become unable to perform your regular job duties for an extended period of time due to a qualified illness or injury. Armor Health provides voluntary short-term and long-term disability insurance. Your cost will depend on your age and the coverage amount you choose. Premiums are paid through post-tax payroll deductions. Refer to each plan’s summary for evidence of insurability requirements and pre-existing condition limitations. Aflac UnitedHealthcare Benefits Voluntary STD Voluntary LTD Benefits Begin 14th day of illness or injury After 90 days Benefits Payable Lump-Sum Monthly Benefit amount 60% of your base salary 60% of your base salary Maximum Benefit $4,000 per month $6,000 per month Depending on where you live/work, you may be entitled to a state disability benefit. Benefits under this plan would be reduced by the benefit you receive from your state. Family Medical Leave Act: ComPsych You may be eligible for unpaid leave under the Family Medical Leave Act (FMLA). Armor Health has partnered with ComPsych who will be responsible for administering your FMLA leave. Please contact them directly to initiate your request. FMLA provides up to 12 work weeks of unpaid leave during a rolling 12 month period due to your own serious health condition, care for a family member who has a serious health condition, or to care for a newborn, adopted or newly placed foster child. Employees with family members in the military have expanded leave rights under FMLA. These employees may take up to 26 work weeks of leave during a single 12-month period to care for a spouse, son, daughter, parent or next of kin who has sustained a serious injury or illness during active duty
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