Page 13 - ENCO Benefits Guide 01-20_FINAL

BENEFITS

DISABILITY INSURANCE

CALIFORNIA STATE DISABILITY
California State Disability Insurance (SDI) is a partial wage-replacement insurance plan for California workers. The SDI program is
state-mandated and funded through employee payroll deductions. SDI provides short term benefits to eligible workers who suffer a
loss of wages when they are unable to work due to a non-work related illness or injury, pregnancy or childbirth. For more
information on eligibility, benefit amounts and instructions on how to file a claim, please go to www.edd.ca.gov.

METLIFE | SHORT TERM DISABILITY INSURANCE

ENCO offers you Short Term Disability (STD) to provide income replacement if you become disabled due to accident, sickness or
pregnancy, through MetLife.
• California Employees: If you experience a temporary disability, benefits begin the 31st day after the start of your accident,
sickness or pregnancy and will continue up to a maximum of 22 weeks. STD works with California State Disability, Social
Security, and any other group disability coverage, to provide you with a combined monthly benefit equal to 60% of the first
$2,500 of your pre‐disability earnings up to a maximum benefit of $1,500 per week.
• Employees residing outside of California: If you experience a temporary disability, benefits begin the 8th day after the start of
your accident, sickness or pregnancy and will continue up to a maximum of 25 weeks. STD works with state disability
programs, Social Security, and any other group disability coverage, to provide you with a combined monthly benefit equal to
60% of the first $2,500 of your pre‐disability earnings up to a maximum benefit of $1,500 per week.

METLIFE | LONG TERM DISABILITY INSURANCE
ENCO offers you Long Term Disability (LTD) to provide income replacement if you become disabled for an extended period of time,
through MetLife. If you become totally and permanently disabled, benefits begin after 180 days. LTD works with state disability
programs, Social Security, and any other group disability coverage, to provide you with a combined monthly benefit equal to 60%
of the first $10,833 of your pre‐disability earnings up to a maximum benefit of $6,500 per month.

VALUE-ADDED SERVICES (AVAILABLE WITH VOLUNTARY TERM LIFE)

METLIFE | WILL PREPARATION
Will Preparation Services offer support and guidance to help you properly prepare the documents necessary to preserve your
family’s financial security. This service, offered by MetLife through Hyatt Legal Plans, fully covers attorney fees for preparing or
updating a will, living will, or power of attorney. Services include will preparation, in-person or telephone consultations with a
participating plan attorney, unlimited access to update your will as long as you continue to be a member of our Life insurance plan
through MetLife.

ACCESSING WILL PREPARATION SERVICES
Call (800) 821-6400

METLIFE | ESTATE RESOLUTION SERVICES
Estate Resolution Services provides face-to-face or over the phone probate services to the representative (executor or
administrator) of the deceased employee’s estate and the estate of the employee’s spouse/domestic partner. Probate services
include preparation of documents and representation at court proceedings needed to transfer the probate assets from the estate
to the heirs, and completion of correspondence necessary to transfer non-probate assets. This plan covers participating plan
attorneys’ fees for consultations or for the administrator or executor to discuss general questions about the probate process.

ACCESSING ESTATE RESOLUTION SERVICES
Call (800) 821-6400

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