Short & Long Term Disability

Disability Coverage

McLeod Health offers two levels of disability protection: short-term and long-term disability coverage. McLeod pays 100% of the cost of basic coverage if you are budgeted to work at least 72 hours per pay period.

Full-time employees budgeted to work 72 or more hours per pay period automatically receive at no cost basic short- and long-term disability benefits of 50% of covered salary.

Employees classified as part-time or full-time (budgeted to work 40 or more hours per pay period) are eligible to enroll in the optional STD and LTD Buy-Up Plans, which pays a benefit of up to 60% of covered salary.

Short-Term Disability

Short-Term Disability (STD) provides income protection for illnesses or injuries that last longer than 14 consecutive calendar days. If you are out of work for more than 14 consecutive calendar days, you may be eligible to receive STD benefits. Be sure you notify your supervisor in accordance with your department and HR attendance and leave policies.

Newly benefits-eligible employees will have a 12-month waiting period in a benefits-eligible position to become eligible for STD. This coverage will begin on the first day of the next month following the initial waiting period.

Employees who have grandfathered sick pay (GSP) must deplete this balance, prior to qualifying for STD benefit payments.

Approved STD benefit payments continue for up to 24 weeks. Other income sources such as Workers’ Compensation or Social Security could result in an offset in STD benefits.

Long-Term Disability

Long-Term Disability (LTD) is another component of our income protection plan that provides income security for a disabling injury or illness that lasts more than 180 consecutive calendar days. This benefit is designed to protect your financial security if you become totally and permanently disabled.

You may be eligible for LTD, if you anticipate being out for more than 180 calendar days due to an injury or illness. If you have been approved for STD benefits, your STD application will serve as your LTD application. A claims representative will contact you if additional information is needed to process your claim. If you are not eligible for STD prior to the LTD benefit, you will need to complete a Long-Term Disability Claim Form.

To be approved for LTD benefits, you may need to provide additional information or current medical certification. To receive LTD benefits, you need to furnish any information requested by the claims representative in a timely manner. You may also want to check with the Social Security Administration to see if you qualify for Social Security Disability benefits. Other income sources such as Workers’ Compensation or Social Security could result in an offset in LTD benefits.

Please refer to the chart below for additional information about the LTD benefit plans.

Effect On Benefits

Employees whose leaves are protected under Family Medical Leave Act (FMLA) and/or who are receiving GSP will remain benefit eligible during the period of FMLA approved leave and/or GSP availability. As long as the employee is benefit eligible, health insurance benefits will be maintained at the same level and under the same conditions as if the employee continued to work. It is the employee’s responsibility to contact the HR Service Center to obtain information on the effect on benefits while on FMLA Leave, including arrangements for payment of the employee’s portion of the required premiums.

LTD Benefits	LTD 50% Basic Plan	LTD 60% Buy-Up Plan
Maximum earnings on which benefit is based	$144,000	$200,000
Maximum monthly benefit	$6,000	$10,000
Excludes	Other Income benefits and earnings
Minimum monthly benefit	$100 or 10% of the Gross Monthly Benefit, whichever is greater.
Own occupation duration	24 Months

Age at Disability	Maximum Benefit Period
Less than age 60	To age 65 (but not less than 5 years)
Age 60	60 months
Age 61	48 months
Age 62	42 months
Age 63	36 months
Age 64	30 months
Age 65	24 months
Age 66	21 months
Age 67	18 months
Age 68	15 months
Age 69 and over	12 months

Quickly Get Information About Your Disability Claim

Contact New York Life at 888-842-4462 or review the Summary Plan Description and Policy.

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