Page 12 - 2015 New Hire Guide
P. 12
Open
Enrollment
Disability
Short Term Disability Definition Of Disability
(STD)—STAFF ONLY * You are considered to have a disability when The Hartford determines
We recognize the hardship that a non- that due to your injury or illness you are prevented from performing
work related injury or illness resulting the duties of your job and are earning less than 20% of your pre-
in lost time from work can have for disability earnings.
you and your family. In order to have * Faculty should refer to the policy manual for leave of absence policies
protection for income lost due to an
extended absence from work, you are Long Term Disability (LTD)
provided disability protection at no
cost to you by Fontbonne University. You will be eligible to receive a monthly LTD beneit if you meet
the deinition of disability (see below). LTD beneits begin after 90
If you meet the deinition of consecutive days of disability. Your beneit would be 60% of your
disability as determined by The monthly earnings to $6,000 to a maximum duration of 65 or your
Hartford, you will be eligible to Social Security normal retirement age.
receive a beneit equal to 66 2/3%
your pre-disability earnings, to a Definition Of Disability
maximum of $1,500 per week for You are disabled when The Hartford determines that due to your
13 weeks. Your STD beneits may injury, or illness you are receiving appropriate care and treatment from
be reduced by the amount of other a doctor on a continuing basis and you are prevented from performing
income you receive for the same one or more of the essential duties of:
disability. The elimination period—
the length of time of continuous X Your occupation during the elimination period
disability which must be satisied X Your occupation, for the two year(s) following the elimination
before you are eligible to receive period, and as a result your current monthly earnings are less than
beneits—is seven days. 80% of your indexed pre-disability earnings; and
X After that, any occupation
If, at the end of the elimination period, you are prevented from
performing one or more of the essential duties of your occupation,
but your current monthly earnings are greater than 80% of your pre-
disability earnings, your elimination period will be extended for a total
period of 12 months from the original date of disability, or until such
time as your current monthly earnings are less than 80% of your pre-
disability earnings, whichever occurs irst.
12
Enrollment
Disability
Short Term Disability Definition Of Disability
(STD)—STAFF ONLY * You are considered to have a disability when The Hartford determines
We recognize the hardship that a non- that due to your injury or illness you are prevented from performing
work related injury or illness resulting the duties of your job and are earning less than 20% of your pre-
in lost time from work can have for disability earnings.
you and your family. In order to have * Faculty should refer to the policy manual for leave of absence policies
protection for income lost due to an
extended absence from work, you are Long Term Disability (LTD)
provided disability protection at no
cost to you by Fontbonne University. You will be eligible to receive a monthly LTD beneit if you meet
the deinition of disability (see below). LTD beneits begin after 90
If you meet the deinition of consecutive days of disability. Your beneit would be 60% of your
disability as determined by The monthly earnings to $6,000 to a maximum duration of 65 or your
Hartford, you will be eligible to Social Security normal retirement age.
receive a beneit equal to 66 2/3%
your pre-disability earnings, to a Definition Of Disability
maximum of $1,500 per week for You are disabled when The Hartford determines that due to your
13 weeks. Your STD beneits may injury, or illness you are receiving appropriate care and treatment from
be reduced by the amount of other a doctor on a continuing basis and you are prevented from performing
income you receive for the same one or more of the essential duties of:
disability. The elimination period—
the length of time of continuous X Your occupation during the elimination period
disability which must be satisied X Your occupation, for the two year(s) following the elimination
before you are eligible to receive period, and as a result your current monthly earnings are less than
beneits—is seven days. 80% of your indexed pre-disability earnings; and
X After that, any occupation
If, at the end of the elimination period, you are prevented from
performing one or more of the essential duties of your occupation,
but your current monthly earnings are greater than 80% of your pre-
disability earnings, your elimination period will be extended for a total
period of 12 months from the original date of disability, or until such
time as your current monthly earnings are less than 80% of your pre-
disability earnings, whichever occurs irst.
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