Page 14 - Lanter | 2022 Benefits Guide LAF
P. 14
Enrolling Outside of Your DISABILITY COVERAGE
New Hire Period What would happen if you couldn’t go to work as
If you do not elect voluntary life or disability
coverage within the irst 31 days of becoming irst a result of a disabling illness or accident? Disability
eligible, you will be required to submit evidence insurance goes to work when you can’t. You have
of insurability (EOI) or proof of good health if you the option to enroll in short term and/or long term
choose to enroll at a later date. disability coverage through The Hartford, paid through
convenient payroll deductions.
Voluntary Short Term Disability
This plan covers 60% of your pre-disability earnings up
to $1,000 per week for a maximum of 11 weeks or until
you are no longer disabled.. Coverage begins on the
15th day of your disability.
Voluntary Long Term Disability
Long term disability replaces a portion of your income
for a longer period than short term disability covers.
The plan covers 60% of your monthly salary up to a
speciic monthly maximum. LTD beneits are payable
until you are no longer disabled or reach Social Security
Normal Retirement Age.
Important Note About Disability
Benefits
Disability beneits are subject to applicable taxes and
are offset by any other income or disability beneits you
receive (or are eligible to receive), such as Social Security
and worker’s compensation.
14 2021-22 ENROLLMENT GUIDE
New Hire Period What would happen if you couldn’t go to work as
If you do not elect voluntary life or disability
coverage within the irst 31 days of becoming irst a result of a disabling illness or accident? Disability
eligible, you will be required to submit evidence insurance goes to work when you can’t. You have
of insurability (EOI) or proof of good health if you the option to enroll in short term and/or long term
choose to enroll at a later date. disability coverage through The Hartford, paid through
convenient payroll deductions.
Voluntary Short Term Disability
This plan covers 60% of your pre-disability earnings up
to $1,000 per week for a maximum of 11 weeks or until
you are no longer disabled.. Coverage begins on the
15th day of your disability.
Voluntary Long Term Disability
Long term disability replaces a portion of your income
for a longer period than short term disability covers.
The plan covers 60% of your monthly salary up to a
speciic monthly maximum. LTD beneits are payable
until you are no longer disabled or reach Social Security
Normal Retirement Age.
Important Note About Disability
Benefits
Disability beneits are subject to applicable taxes and
are offset by any other income or disability beneits you
receive (or are eligible to receive), such as Social Security
and worker’s compensation.
14 2021-22 ENROLLMENT GUIDE
