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Extended Medical Benefit and Disability Insurance
Claire Lapsley Christine Wrightington
On the first of the month following 60 days of employment, the Agency will provide full-time employees working 35+ hours per week Long-Term Disability income benefits at no cost through The Hartford. In the event you become disabled from a non-work-related injury or sickness, disability income benefits are provided as a source of income. Please contact the HR Department for additional information.
Northern Human Services covers Short Term Disability through Extended Medical Benefit (EMB). Regular full- time and regular part-time employees hired to work 20 or more hours per week will accrue EMB at a rate of .04615 per hour paid. EMB is for use due to the employee’s illness or injury only after drawing down 4 workdays (or 80% of the work week) of Vacation/Sick Time for each occurrence of EMB. If available, the employee will be required to use Vacation/Sick Time to cover the four-work-day waiting period (or 80% of the work week); otherwise, the four day wait is unpaid unless law otherwise requires payment for a salaried employee. The maximum EMB accrual is 13 weeks. For each occurrence, a doctor’s note and/or completed Certification of Health Care Provider Form will be required to verify a medical condition, prior to accessing EMB.
• Employees must use EMB according to their regularly scheduled workweek hours.
Extended Medical Benefit
The Hartford Long-Term Disability
Benefit Begins Paying
4 days after injury/illness begins
90 days after disability begins
Benefits Payable
Duration depends upon amount of Extended Medical Benefit employee has accrued
For own occupation, 2 year duration Maximum Duration Age 65+
Percentage of Income Replaced
100%
60% of monthly earnings
Maximum Benefit
13 work weeks
$3,500 per month before reduction by deductible income
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