Short Term Disability
Short Term Disability
Sun Life Financial
Alfred Street Baptist Church Plan Benefits
Explore the coverage that helps you protect your income and your lifestyle.
What is Short Term Disability insurance? Short Term Disability (STD) insurance can help you replace a portion of your income during the initial weeks of a Disability.
Eligibility Requirements Short Term Disability: All Active Full-Time Employees working at least 40 hours per week are eligible to participate.
How is "Disability" defined under the Plan?
Generally, you are considered disabled and eligible for short term benefits if, due to sickness, pregnancy, or accidental injury, you are receiving appropriate care and treatment and are complying with the requirements of the treatment and you are unable to earn more than 80% of your predisability earnings at your own occupation. For a complete description of this and other requirements that must be met, refer to the Certificate of Insurance/Summary Plan Description provided by your Employer or contact your MetLife benefits administrator with any questions.
What is the benefit amount? Short Term Disability:
The Short Term Disability benefit replaces a portion of your predisability earnings, less the income that was actually paid to you for the same Disability from other sources 1 (e.g., state disability benefits, no-fault auto laws, sick pay, etc.).
The Benefit amount is 66.67% of your predisability weekly earnings subject to the plan's maximum weekly benefit of $1,500.
When do benefits begin and how long do they continue? Short Term Disability:
Benefits begin after the end of the elimination period. The elimination period begins on the day you become disabled and is the length of time you must wait, while disabled, before you are eligible to receive a benefit. The elimination period is as follows:
For Injury: 0 days.
For Sickness (includes pregnancy): 7 days.
Benefits continue for as long as you are disabled up to a maximum duration of 26 weeks of Disability.
Your plan’s maximum benefit period and any specific limitations are described in the Certificate of Insurance/Summary Plan Description provided by your Employer.
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