Page 11 - 2022 MLB Benefit Guide 08.2022

Second: Financial Security

Baseball offers short- and long-term disability insurance, and life and accident insurance—benefits that protect your
income, and your family, in the event of your disability or death.

Disability Insurance – UNUM

The short- and long-term disability plans provide you with income when you are unable to work due to an illness or
injury.

SHORT-TERM DISABILITY
Your short-term disability benefits vary according to your length of service with Baseball, as shown on the chart below.
Benefits begin after your first five consecutive days of absence from work due to illness or a non-work-related injury.

Your short-term disability benefits will continue until you are no longer medically disabled, or until you have received
the maximum benefit payable from the plan. During short periods of disability, your health care coverage will remain in
force.
Length of Service Plan Benefit

10+ years of Baseball service 100% of pay up to 26 weeks
One but less than 10 years of Baseball 100% of pay up to 13 weeks
service
Less than one year of Baseball service Benefits as stipulated by State law

NY PFL
The New York Paid Family Leave Program pays part of your income while out of work caring for your family. You may
use PFL to bond with a new child within 12 months of birth, adoption or foster placement. You can also use PFL to
take care of a family member with a serious health condition. A family member is defined as a spouse, parent-in-law,
domestic partner, grandparent, child, grandchild or parent.
Click here for more information on NY PFL

LONG-TERM DISABILITY
If your disability continues beyond the duration of your short-term disability benefits, you may be eligible for the Long-
Term Disability (LTD) Plan. The LTD plan provides 60% of your monthly salary, up to a maximum of $15,000 per
month. Benefits are payable as long as your disability continues up to your Social Security normal retirement age (or
longer depending on when your disability begins).

There is also a Return to Work Incentive. If you return to work during the first 24 months of your disability, you may be
able to earn up to 100% of your pre-disability income even if you do not work full time. LTD benefits may be reduced
by income you received from other sources, such as Social Security, Worker’s Compensation, pension plans or other
group disability plans.
Click here for a detailed summary of your Disability Plan

Page | 11