Disability
Administered by The Hartford, this insurance replaces a percentage of wages when you can't work due to an illness or injury. To be eligible, you must complete six months of employment and work at least 30 hours a week.
Once approved, you may receive between 60 and 100 percent of your regular pay during the first 180 days of disability through a combination of accrued paid leave, sick bankd and short-term disability. After 180 days, disability coverage provides up to 50 percent of pay for approved disabilities.
TIME OFF NEEDED
(for injury or illness) |
BENEFIT YOU USE |
| 0 to 3 days |
Use your paid leave and receive 100% of your regular pay |
| 4 to 10 days |
Use your accrued paid leave and sick bank hours and receive up to 100% of your regular pay |
| After 11 days |
If approved, you may receive 60% of your pre-disability income through the Carle Health Short-Term Disability Insurance, or you may continue to receive 100% of pay using your accrued paid leave and sick bank hours |
| After 180 days |
If approved, you may receive 50% of your pre-disability income |
Company Paid Short-term Disability
Carle Health provides short-term disability at no cost after six months of employment for team members working at least 30 hrs/week.
You’re eligible to receive benefits starting on the tenth day after your disability begins. The benefit pays 60% of income for up to 180 days.
Voluntary Short-term Disability
Aflac Short-term Disability is a voluntary benefit available for all team members working at least 20 hours a week. This income protection insures a portion of your monthly salary in the event you're unable to work due to an injury, illness or maternity.
You're eligible to receive benefits starting on the 15th day after your disability begins and benefit payments continue for as long as you continue to be disabled, up to three months.
Company Paid Long-term Disability
Carle Health provides long-term disability at no cost after six months of employment for team members working at least 30 hours per week.
You’re eligible to receive benefits starting on the 181st day after your disability begins. The benefit pays 50% of income.
Plan Highlights
- Guaranteed-issue – No medical evidence is required, and the policy is guaranteed to be issued as long as you are actively employed.
- Coverage is non-occupational – The plan covers disability due to off-the-job injuries and illnesses.
- Pre-existing condition benefit – If a condition is considered pre-existing during the first 12 months of coverage, the plan will still pay 50 percent of the monthly disability benefit, including for pregnancy.
- Aflac Rate – $1.59 per $100 of coverage per month. Log in to the enrollment platform to see coverage and rate options.