Disability Insurance

SHORT-TERM DISABILITY INSURANCE

Short-Term Disability (STD) Insurance is an Employer paid benefit provided to all "full-time regular" employees who are unable to work because of a qualifying disability due to an injury or illness. Short-Term Disability Insurance provides income protection in the event you become disabled and are unable to work due to sickness or non-occupational injury, including pregnancy, for a short period of time.

SHORT-TERM DISABILITY (STD) INSURANCE BENEFITS FOR A QUALIFYING DISABILITY (ILLNESS OR INJURY)

      • Pays 66 2/3% of your salary (up to a maximum of $750.00) per week
      • STD may provide up to 26 weeks of coverage, depending upon the qualifying disability
      • Zero-day (0) waiting period in the event of an accident
      • Seven-day (7) waiting period in the case of an illness. An employee must use vacation and/or personal time to cover this period of loss

Disabilities arising from pregnancy or pregnancy-related illness are treated the same as any other illness that prevents an employee from working. Disabilities covered by workers' compensation are excluded from STD coverage.

SHORT-TERM DISABILITY

BENEFIT AMOUNT 66 2/3% of weekly earnings

BENEFIT MAXIMUM $750.00 per week

BENEFITS BEGIN AFTER 1st day for accident, 8th day for illness

MAXIMUM BENEFIT PERIOD Up to 26 weeks

For more specific details on Short-Term Disability benefit amounts, limitations and restrictions, please click:

Short-Term Disability (STD) Income Plan

LONG-TERM DISABILITY INSURANCE

The Long-Term Disability (LTD) Insurance plan is an Employer paid benefit provided for all "Full-Time Regular" employees that provides income protection in the event an employee has become disabled from a qualifying injury or illness requiring a long-term absence from their employment.

LONG-TERM DISABILITY INSURANCE (LTD) BENEFITS FOR A QUALIFYING DISABILITY (ILLNESS OR INJURY)

  • Once the short-term disability benefits expire (after 26 weeks or 180 days of short-term disability insurance), long-term disability insurance may begin if your qualifying disability has been approved for LTD
  • LTD pays 60% of your monthly earnings, up to a maximum amount of $10,000.00 per month
  • The benefits last until you are able to return to work, or if permanently disabled, for the number of your remaining work years as defined in the LTD policy.
  • LTD benefits may be offset with amounts received from Social Security Disability Insurance (SSDI), or by workers' compensation (if applicable)
  • Maximum benefit period is attained when at "Social Security Normal Retirement Age"
  • If disabled at or after age 65, benefits are payable according to an age-based schedule, as listed on the plan document

Please refer to your appropriate Employee Handbook, located on this website, for further information.

LONG-TERM DISABILITY

BENEFIT AMOUNT

BENEFIT MAXIMUM

BENEFITS BEGIN AFTER

MAXIMUM BENEFIT PERIOD




60% of monthly earnings

$10,000.00 per month

180 days, after using 26 weeks of Short-Term Disability benefits

Social Security Normal Retirement Age, or if disabled at or after age 65, benefits payable to an age-based schedule


For more specific details on Long Term Disability benefit amounts, limitations and restrictions, please click on:

LTD Certificate and Plan Description

CONTACT

Becky Zmuda, HR Director

734.930.3196

rzmuda@avemariafoundation.org OR

rzmuda@dominosframs.com

DISABILITY CLAIMS:

Gloria Jancar, HR Generalist

734.930.4542

gjancar@avemariafoundation.org OR

gjancar@dominosfarms.com


ADMINISTRATOR

CIGNA

Life Insurance Company of North America*

*Contact Gloria Jancar, HR

734.930.4542