WILL MY BENEFIT BE TAXED? The cost of your coverage is included in your gross income on IRS Form W-2, unless you elect otherwise prior to the beginning of a new plan year. This means your benefit will not be taxed. CAN I WORK AND RECEIVE A BENEFIT? Yes. If you meet the definition of disability, but continue to work and earn less than 80% of your pre-disability earnings, you are still eligible to receive a benefit. Your benefit may be reduced by your work earnings. The total of your weekly benefit payment, current work earnings and other income benefits cannot exceed 100% of your weekly pre-disability earnings. IF I HAVE AN ACCIDENTAL DISMEMBERMENT OR LOSE SIGHT, WILL I RECEIVE MY BENEFIT? Yes, your benefit will be paid for a specific duration for losses due to an accident. This benefit is paid regardless of working status or receipt of any other income as a result of the disability. Should you die while monthly benefits from this benefit remain, the unpaid benefits would be payable to the claimant’s estate. IF I HAVE A LIFE THREATENING INFECTIOUS DISEASE, WILL I RECEIVE MY BENEFIT? You may qualify for benefits if you first contract a life threatening infectious disease while covered for this benefit, and lose more than 80% of your pre-disability earnings or have your license restricted due to the disease. 1 U.S. Social Security Administration Fact Sheet. Web. 30 June 2017 https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf 3 The Long Term Disability policy contains a Pre-Existing Condition Exclusion. Please refer to the certificate for more information on exclusions and limitations, such as Pre-Existing Conditions. Prepare. Protect. Prevail. With The Hartford. ® The Hartford ® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. 5962f NS 08/16 © 2016 The Hartford Financial Services Group, Inc. All rights reserved. This Benefit Highlights document explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this document and the policy, the terms of the policy apply. Benefits are subject to state availability. Policy terms and conditions vary by state. Complete details including the provisions, terms, conditions, limitations and exclusions are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. The Hartford compensates both internal and external producers, as well as others, for the sale and service of our products. For additional information regarding Hartford’s compensation practices, please review our website http://thehartford.com/group-benefits-producer-compensation. Disability Form Series includes GBD-1000, GBD- 1200, or state equivalent.
Supplemental Benefit 10
UC PHYSICIANS, INC. LTD BHS_PUBLICATION DATE: 07/29/2019
FULL-TIME AND PART-TIME PHYSICIANS
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