Page 17 - Jones and Frank Benefits Enrollments Guide

Short Term Disability (STD) Benefits

Short Term Disability with Guardian

 Employees pay 100% of the cost of this benefit (benefits are tax-free)
 Benefit amount is 60% of insured’s weekly earnings to a maximum of $400
per week.
 Benefit is payable beginning the 1st day post-accident and the 8th day of

sickness
 Maximum benefit period is 26 weeks.
 Pre-existing condition limitation of 3/12
o Conditions that have been diagnosed and treated 3 months prior to
effective date of coverage will not be covered for the first 12 months
even if they render the insured disabled. (applies to new hires)

 You have the opportunity to enroll for 2018 without Evidence of
Insurability!! If you waive coverage for 2018 but elect to enroll at a
subsequent enrollment period, you will be considered a late entrant. Late
entrants (employees who don’t enroll when initially eligible) must complete
Evidence of Insurability (EOI).
 Maternity is covered the same as any other illness.

 Partial Disability benefit included

Short-Term Disability Premium Example:

Full-Time employees pay $0.37 per $10 of coverage.

If you make $2,895 per month, you qualify for a $400 weekly benefit.

The Monthly cost would be $14.80.

This would be a weekly deduction of $3.41

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