DISABILITY INSURANCE
EMPLOYER PAID SHORT TERM DISABILITY (more than 2 full year s of employment)
Short Term Disability (STD) may provide you a benefit, should you become temporarily disabled because of a non-work related illness, injury or a condition, like pregnancy. Please note, STD does not provide for any job protected status, job protection may be provided for you by the Family Medical Leave Act (FMLA), if applicable. STD leave runs concurrent with family medical leave if an team member is eligible for both STD and FMLA. • Benefit eligible team members who have completed two full years of continuous employment with no gaps are eligible for employer paid, STD through United Healthcare. That’s STD coverage at NO COST TO YOU ! This benefit may provide you 60% of your weekly base pay, up to 12 weeks. Claims review and benefit amounts / administration is through United Healthcare. There are no pre-existing condition limitations on this policy .
VOLUNTARY SHORT TERM DISABILITY (employed less than 2 year s )
This plan can be purchased on a voluntary basis for those not yet eligible for the company sponsored STD Plan. Benefit eligible team members, employed for less than 2 years are offered Voluntary Short Term Disability through United Healthcare. Elections for STD can be made during the enrollment process, cost for coverage can also be found online. The benefit may pay you 60% of your weekly base earnings, not to exceed $1,500 per week. Benefits begin on the 8 th day from the start of the illness or accident and can pay out up to a 12 week maximum. Please make note of the pre-existing condition limitations, which state disabilities that occur during the first 12 months of coverage (due to a pre-existing condition) are excluded if the condition was diagnosed, treated or prescribed in the 3 months prior to the effective date of coverage.
Cost for Coverage Voluntary Short Term Disability (STD)
Employee
Check out myBenSite to see your personalized rates. Premiums will be deducted from your pay after taxes.
Long Term Disability (LTD) may provide you income protection through monthly benefits should you become unable to work, due to non-work related accident or illness. Benefits under LTD would begin to pay if/when your Short Term Disability benefit is exhausted. AMIkids offers benefit eligible team members the option to purchase Voluntary Long Term Disability through United Healthcare. Claims review and benefit amounts / administration is through United Healthcare. The chart below provides an overview of the plan.
How much does it pay?
60% of monthly base earnings
Is there a maximum to the monthly benefit?
Yes, 60% of your monthly base earnings cannot exceed $6,000.
Benefits commence after 90 days from disability (designed to begin as eligible STD pay is ending).
When would the LTD pay begin?
If you become disabled prior to age 62, benefits are payable to age 65 or Social Security Normal Retirement Age (SSNRA)
What’s the duration of the benefit?
Any Health condition that prevents you from doing your “Own Occupation”. Meaning the disability prevents you from performing at least one of the material duties of your regular occupation during the first 24 months of disability and after 24 months are unable to perform all the material duties of any gainful occupation.
What’s the definition of disability?
Please make note of the pre-existing condition limitations, which state disabilities that occur during the first 12 months of coverage (due to pre-existing condition) are excluded if the condition was diagnosed, treated or prescribed in the 3 months prior to the effective date of coverage.
Cost for Coverage
Voluntary Long Term Disability (LTD)
Employee
Check out myBenSite to see your personalized rates. Premiums will be deducted from your pay after taxes.
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