PR - 4.2024 Employee Benefits Guide (FINAL)

SHORT TERM DISABILITY (NY & NJ Employees Only) Short Term Disability provided by The Hartford, is a disability insurance program designed to provide employees with temporary cash benefits when disabled by an off the job injury or illness.

SHORT TERM DISABILITY (NEW JERSEY PLAN)

SHORT TERM DISABILITY (NEW YORK PLAN)

BENEFIT

Benefit Percentage

85% of average weekly earnings

50% of weekly earnings

Maximum Weekly Benefit

$1,055

$170

Elimination Period - Illness

8 days

8 days

Elimination Period - Accident

8 days

8 days

26 weeks

26 weeks

Maximum Duration of Benefit

LONG TERM DISABILITY Voluntary Long Term Disability Insurance (LTD) provides income replacement if you become disabled and are unable to work for more than 90 days. You pay the cost of coverage and receive a group rate. Eligibility: All active full-time employees working at least 30 hours per week. Statement of health is required for any amount of coverage elected

VOLUNTARY LONG TERM DISABILITY

BENEFIT

Benefit Percentage

60% of pre-disability earnings

Definition of Disability

2 years own occupation

Maximum Monthly Benefit

$6,000

Elimination Period

180 days

Maximum Benefit Duration

Social Security Retirement Age

Pre-existing Conditions Limitations

3/12*

* A “Pre-Existing Condition” means the insured employee received medical treatment, consultation, care or services including diagnostic measures or took prescribed drugs or medicines in the 3 months just prior to his/her effective date of coverage; and the disability begins in the first 12 months after the employee’s effective date of coverage unless you have been

For assistance members contact MetLife.com 800.GETMET8 (800.438.6388)

For addi Ɵ onal plan informa Ɵ on, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

QUESTIONS? Call Bene fi tsVIP at 866.293.9736

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