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Short-Term Disability Insurance 

Eligible Benefits and Amounts

 

An employee is eligible to receive benefits:

 

  • When totally disabled

  • Under a physician’s care

  • The accident or sickness is non-work related

  • The selected elimination period has been satisfied

 

Pre-Existing Condition Limitation:

 

  • No benefit for a pre-existing condition until the insured has been continuously covered under the policy for 12 consecutive months

  • Must be performing the duties of his or her occupation for 30 continuous days after the first 12 months of coverage

 

Income Qualifications:

 

  • Plan 1 - $800 monthly benefit for 6 months (must work at least 20 hours per week)

  • Plan 2 - $1,500 monthly benefit for 6 months (must work at least 30 hours per week)

  • Plan 3 - $800 monthly benefit for 12 months (must work at least 20 hours per week)

  • Plan 4 - $1,500 monthly benefit for 12 months (must work at least 30 hours per week)

*Income verification at time of claim.

 

Base Coverage:

 

  • Waiver of Premium – An insured employee does not pay premiums after 90 consecutive days of total disability or the satisfaction of the elimination period, whichever is later.

  • Partial Disability Benefit – A partial disability will be paid if an insured becomes partially disabled due to the same cause as total disability. The benefit is 50% of the initial benefit.

  • Accelerated Benefit for Terminal Illness – If employee is diagnosed with a terminal illness for the first time, on or after the effective date, we will accelerate the monthly disability benefit for the remaining months of payments of the maximum disability period of the contract, up to 12 months. Rider Form Series CRDITI00

  • Mental Illness Limited Benefit – Totally Disabled due to a Mental Illness, regardless of the cause, Disability Benefits will be paid for the period. Mental Illness means Disability due to or resulting from psychiatric or psychological conditions, regardless of cause. The term Mental Illness does not apply to dementia, if due to Stroke, Trauma, Viral infection, Alzheimer’s disease, or other conditions not usually treated by a mental health provider using psychotherapy, psychotropic drugs, or other similar modalities

 

When do Benefits Begin?

 

After satisfying a 14 day waiting period for either a sickness or accident, the plan will pay the selected benefit amount based upon the policy applied for (6 months or 12 months) or the end of the disability which ever is sooner.

 

 

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