Income Protection
Keep your income protected if illness or injury prevents you from working.
Income Protection
Short-Term Disability (STD)
| Feature | Detail |
|---|---|
| Provider | The Hartford |
| Monthly Benefit | 60% of weekly earnings |
| Maximum Benefit |
|
| Elimination Period |
|
| Maximum Benefit Duration | 13 weeks |
| Cost to Employee | $0 - fully employer paid |
Provider
DetailThe Hartford
Monthly Benefit
Detail60% of weekly earnings
Maximum Benefit
Detail$600/week (Hourly employees); $8,000/month (Salaried employees)
Elimination Period
Detail0 days (injury); 7 days (sickness)
Maximum Benefit Duration
Detail13 weeks
Cost to Employee
Detail$0 - fully employer paid
Long-Term Disability (LTD)
| Feature | Detail |
|---|---|
| Provider | The Hartford |
| Benefit | 60% of monthly earnings |
| Maximum Monthly Benefit | $10,000 |
| Elimination Period | 90 days |
| Maximum Benefit Duration | To Social Security Normal Retirement Age (SSNRA) |
| Cost to Employee |
|
Provider
DetailThe Hartford
Benefit
Detail60% of monthly earnings
Maximum Monthly Benefit
Detail$10,000
Elimination Period
Detail90 days
Maximum Benefit Duration
DetailTo Social Security Normal Retirement Age (SSNRA)
Cost to Employee
DetailEmployee paid for Hourly employees; Employer paid for Salaried employees
Voluntary LTD Rates
| Age Band | Rate |
|---|---|
| Under 25 | $0.187 |
| 25-29 | $0.237 |
| 30-34 | $0.324 |
| 35-39 | $0.449 |
| 40-44 | $0.661 |
| 45-49 | $0.899 |
| 50-54 | $1.211 |
| 55-59 | $1.548 |
| 60-64 | $1.548 |
| 65+ | $1.635 |
Age-banded monthly rates per $100 of monthly covered payroll (Hourly employees).
Under 25
Rate$0.187
25-29
Rate$0.237
30-34
Rate$0.324
35-39
Rate$0.449
40-44
Rate$0.661
45-49
Rate$0.899
50-54
Rate$1.211
55-59
Rate$1.548
60-64
Rate$1.548
65+
Rate$1.635
LTD Notes
- If not enrolled when first available, EOI form may be required to enroll later