Disability Coverage
The goal of Horizons Diagnostics 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 and Long Term Disability” income benefits.
Both the short term and long term disability coverages are offered through Unum.
Insurance Carrier:
Unum Short-Term Disability Insurance
Plan Type:
Voluntary
Eligibility Requirement Benefit Percentage Waiting Period - Accident Waiting Period - Sickness Maximum Weekly Benefit Pre-Existing Condition
All Full Time Employees
60%
14 Days 14 Days $1,000
3/12
Benefit Duration
11 Weeks
Insurance Carrier:
Unum Long-Term Disability Insurance
Plan Type:
Voluntary
Eligibility Requirement
All Full Time Employees
Waiting Period
90 Days
Benefit Percentage
60%
Maximum Monthly Benefit
$15,000
Benefit Duration
Greater of ADEA or SSNRA
Own Occupation Definition Partial Disability Benefit
Extended Own Occupation Procedures
Greater of 50% offset and proportionate loss formulas
Mental Disorders Drug & Alcohol
Separate 24 Months per occurrence Separate 24 Months per occurrence
Pre-Existing Condition
3/12
11 Horizons Diagnostics, LLC. 2022 Enrollment Guide
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