Page 21 - 2018 Carlstar Benefit Guide
P. 21
BENEFITS ENROLLMENT • 201821
Disability
A disabling illness can result in inancial devastation for your family. The Carlstar
Group disability program is designed to replace a portion of your income if you
are unable to work due to an accident or sickness—and it covers you continuously
with both short term and long term beneits for qualifying disabilities.
The program is comprised of two plans which protect you and your family when
you need it most. These coverages help provide the inancial assistance you need
to get back to work and to an independent lifestyle.
Short Term Disability Plans Long Term Disability Plan
Short Term Disability (STD) plan beneits are available Eligibility for Long Term Disability (LTD) plan
when you have been absent from work due to a non- beneits begins after 180 days of disability. Generally,
occupational illness or injury. You are automatically LTD beneits continue as long as you remain disabled,
enrolled in the Short Term Disability program when you up to your Social Security normal retirement age. LTD
are eligible to enroll in The Carlstar Group beneit plans. beneits will be reduced by any other beneits you may
Full-time hourly employees be eligible to receive, such as state disability beneits or
Social Security disability beneits. For complete details
Disability beneits are based on your length of service of the plan, including exclusions and limitations,
as of the irst date of absence and your base annual please refer to your group insurance certiicate. You
earnings. Acceptable evidence of your inability to work are automatically enrolled in the Long Term Disability
will be necessary to commence beneits. program when you are eligible to enroll in The
Years of Service Beneit Carlstar Group beneit plans. Long Term Disability is
91 Days - 1 Year 60% - 4 weeks fully insured by The Standard.
1 Year - 9 Years 60% - up to 26 weeks
10 Years+ 67% - up to 26 weeks Beneits for both plans are offset by any state or
Full-time hourly eligible employees begin STD beneits on disability beneits which are payable. You must provide
the eighth calendar day unless hospitalized. If Hospitalized, documentation when iling a claim.
beneits begin on the irst date the disability commences.
Your Cost
Full-time exempt/non-exempt salaried employees: The Carlstar Group pays the entire cost of the
Disability beneits are based on your length of service Short Term and Long Term Disability programs.
as of the irst date of absence and your base annual
earnings. Acceptable evidence of your inability to work If you’re working in a state that requires you
will be necessary to commence beneits. contribute to a state disability fund, your contributions
Years of Service Beneit and participation in that disability fund will be subject
<1 Year 100% - 4 weeks to laws of the state in which you work.
>1 Year 100 % - 13 weeks
67% - 13 weeks
Disability
A disabling illness can result in inancial devastation for your family. The Carlstar
Group disability program is designed to replace a portion of your income if you
are unable to work due to an accident or sickness—and it covers you continuously
with both short term and long term beneits for qualifying disabilities.
The program is comprised of two plans which protect you and your family when
you need it most. These coverages help provide the inancial assistance you need
to get back to work and to an independent lifestyle.
Short Term Disability Plans Long Term Disability Plan
Short Term Disability (STD) plan beneits are available Eligibility for Long Term Disability (LTD) plan
when you have been absent from work due to a non- beneits begins after 180 days of disability. Generally,
occupational illness or injury. You are automatically LTD beneits continue as long as you remain disabled,
enrolled in the Short Term Disability program when you up to your Social Security normal retirement age. LTD
are eligible to enroll in The Carlstar Group beneit plans. beneits will be reduced by any other beneits you may
Full-time hourly employees be eligible to receive, such as state disability beneits or
Social Security disability beneits. For complete details
Disability beneits are based on your length of service of the plan, including exclusions and limitations,
as of the irst date of absence and your base annual please refer to your group insurance certiicate. You
earnings. Acceptable evidence of your inability to work are automatically enrolled in the Long Term Disability
will be necessary to commence beneits. program when you are eligible to enroll in The
Years of Service Beneit Carlstar Group beneit plans. Long Term Disability is
91 Days - 1 Year 60% - 4 weeks fully insured by The Standard.
1 Year - 9 Years 60% - up to 26 weeks
10 Years+ 67% - up to 26 weeks Beneits for both plans are offset by any state or
Full-time hourly eligible employees begin STD beneits on disability beneits which are payable. You must provide
the eighth calendar day unless hospitalized. If Hospitalized, documentation when iling a claim.
beneits begin on the irst date the disability commences.
Your Cost
Full-time exempt/non-exempt salaried employees: The Carlstar Group pays the entire cost of the
Disability beneits are based on your length of service Short Term and Long Term Disability programs.
as of the irst date of absence and your base annual
earnings. Acceptable evidence of your inability to work If you’re working in a state that requires you
will be necessary to commence beneits. contribute to a state disability fund, your contributions
Years of Service Beneit and participation in that disability fund will be subject
<1 Year 100% - 4 weeks to laws of the state in which you work.
>1 Year 100 % - 13 weeks
67% - 13 weeks
