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Disability benefits

Disability management
Texas Mutual is committed to providing a safe workplace. If you become
disabled, our primary objective is to help you through the total disability
management process. Total disability management refers to the process by
which we respond to illnesses and injuries, through the coordination of
workers’ compensation, short-term and long-term disability, medical benefits,
return to work, Family and Medical Leave Act (FMLA), and Americans with
Disabilities Act (ADA) compliance.

If you become ill or injured on the job, we will make every effort to secure
immediate and appropriate medical attention. We will attempt to create
opportunities for you to return to safe, productive work as soon as possible.
The goal of the disability management process is to return you to your
original job. If you are unable to perform all the essential functions of your
original job, we will make a reasonable effort to provide alternative
productive work (if available), that is consistent with your known capabilities
and/or restrictions.

Human Resources will help you prepare for a scheduled disability leave or
assist you with the process if an unexpected disability should occur. Human
Resources will help you with the administrative process for FMLA, short-term
disability, long-term disability, and workers’ compensation, and will assist you
with the return-to-work process.
It is your responsibility to report all unsafe conditions to your supervisor and
to provide advance notification to your supervisor if you plan to miss work
due to an illness or injury. If you need to miss work due to an unexpected
illness or injury, notify your supervisor as soon as possible. It is also your
responsibility to review and understand Texas Mutual’s leave policies.

Short-term disability
If you are a full-time employee, you will become eligible for our short-term
disability (STD) plan on your ninety-first day of work. The plan provides
income replacement if you are unable to work for an extended period due to
an eligible illness or injury and you are under the care of a physician. Before
receiving STD benefits, you must complete the STD claim application process
and a benefit waiting period of 14 calendar days. Your benefits begin once
you have completed the waiting period and your STD claim is approved.

The STD claims process is managed by an outside, third party administrator.
You are required to provide verification of your illness or injury to the
administrator at the beginning of your disability absence. The administrator
may also request verification during your absence. Upon your return from
disability leave, you must provide to Human Resources a written medical
release from your physician, which may also describe any applicable work
limitations.

18 Employee Benefits Guide