Page 20 - Future Steps
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Disability Insurance Coverage
The goal of the F+W’s disability insurance plans is to provide you with income
replacement should you become disabled and unable to work due to a non-work-related
illness or injury. The short term disability plan is voluntary and 100% employee paid.
The long term disability plan is paid for by F+W.
Short Term Disability (STD)
X Covers 60% of your pre-disability earnings—up to a $1,000 weekly maximum
X Beneits begin on the irst day for disability due to an accident and on the 8th day
for disability due to an illness; beneits may continue to the earlier of recovery or 13
weeks
Long Term Disability (LTD)
X Covers 66.67% of your pre-disability earnings—up to a $15,000 monthly
maximum
X Beneits begin after 90 days of disability or illness and may continue to the later
of age 65 or social security normal retirement age
Long Term Care
Long term care insurance is another voluntary option for eligible employees. Long
term care insurance helps people who have disabilities, chronic, or long term illnesses
to pay for medical expenses related to nursing home, in-home, and assisted living
care. Typically these services can be very expensive. A long term care policy also
ensures you can make your own choices about what long term care services you
receive and where you receive them.
For additional information on how to set up an individual policy through
Transamerica, employees can call 855.549.8905 and speak with a professional from
LTCI Partners.
20
F+W, A Content + eCommerce Company
The goal of the F+W’s disability insurance plans is to provide you with income
replacement should you become disabled and unable to work due to a non-work-related
illness or injury. The short term disability plan is voluntary and 100% employee paid.
The long term disability plan is paid for by F+W.
Short Term Disability (STD)
X Covers 60% of your pre-disability earnings—up to a $1,000 weekly maximum
X Beneits begin on the irst day for disability due to an accident and on the 8th day
for disability due to an illness; beneits may continue to the earlier of recovery or 13
weeks
Long Term Disability (LTD)
X Covers 66.67% of your pre-disability earnings—up to a $15,000 monthly
maximum
X Beneits begin after 90 days of disability or illness and may continue to the later
of age 65 or social security normal retirement age
Long Term Care
Long term care insurance is another voluntary option for eligible employees. Long
term care insurance helps people who have disabilities, chronic, or long term illnesses
to pay for medical expenses related to nursing home, in-home, and assisted living
care. Typically these services can be very expensive. A long term care policy also
ensures you can make your own choices about what long term care services you
receive and where you receive them.
For additional information on how to set up an individual policy through
Transamerica, employees can call 855.549.8905 and speak with a professional from
LTCI Partners.
20
F+W, A Content + eCommerce Company
