Short Term Disability


Eligibility

All full-time employees regularly scheduled to work at least 30 hours per week are eligible to enroll in Short Term Disability coverage on the first of the month after completing two full calendar months of employment.


Enrolling in the Plan After My Initial Enrollment Period

If you didn't elect Short Term Disability coverage when you first became eligible, you can enroll in the plan as a "late entrant" during annual open enrollment. "Late entrants" must provide evidence of insurability and be approved by Equitable’s medical underwriting department.

If your application is approved, your coverage will become effective on the first of the month following approval by the insurance carrier.


Elimination Period

Benefits begin on the 8th day of accident or illness, provided that your disability meets the definition under the plan.


Weekly Benefit Amount

Benefits equal 60% of your salary at the time of your disability with a maximum benefit of $2300 per week.
Benefits are paid weekly until you are no longer eligible for benefits under your plan.


Cost of Benefit

You are responsible for the cost of this insurance. Because you pay 100% of the cost of the coverage with post tax dollars, benefits received under the plan are not subject to federal income taxes.