Short Term Disability Summary

Hartford

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Benefits Begin 45 days for disability due to an injury or illness; benefits begin the day after the elimination period is completed.
Definition of Disability
Immediately following a period of Total Disability for which you are eligible to receive a weekly benefit, you are:
·  still prevented by the same disabling condition from performing essential duties of your occupation, but;
·  you have recovered to the extent that you are:
a) able to perform some, but not all, of the essential duties of your or any occupation; and

b) as a result, you are earning more than 20% but no more than 80% of your pre-disability weekly earnings.

Partial Disability Allows you to return to work while disabled. 
Percent Benefit You must choose one benefit level: 50% of weekly earnings (subject to a maximum benefit of $900/per week) OR 67% of weekly earnings (subject to a maximum benefit of $1,200/per week) OR No Coverage. Payment may be reduced by other deductible sources of income.
Maximum Period of Payment 135 days
Taxes The amount that you collect in short term disability benefits is considered taxable income upon receipt since short term disability benefit coverage is being purchased with pre-tax dollars.
Evidence of Insurability No evidence of insurability for newly hired employees who apply for coverage when they first become eligible. Employees who choose to pick up coverage or increase coverage at open enrollment or family status change will need to complete an evidence of insurability application.
Not Covered Disabilities due to an occupational sickness or injury
Increasing coverage If an employee increases their STD coverage after initial enrollment, Evidence of Insurability is needed.
Minimum weekly benefit $25.00