2024

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 vacation, sick time 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 11 calendar days	Use your accrued vacation and/or sick time and receive up to 100% of your regular pay.
After 11 calendar days	If approved, you may receive 60% of your pre-disability income through the Carle Health short-term disability insurance, or you may be able to supplement up to 100% of pay using your accrued vacation and sick time.
After 180 calendar 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 hours per 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.

Team members have the option to supplement their 60% of pay with either sick time or vacation time in order to receive 100% of their pay.

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 ensures 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.

Aflac Short-Term Disability pays out in addition to the short-term disability that Carle Health provides to its employees working 30-plus hours per week.

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 nonoccupational – 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% 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.

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.