Plans

Disability Care

Flexible Design with Innovative Benefits

Short Term Disability is designed to encourage ultimate flexibility. Designs can be perfectly simple, easily adjusted to match an existing plan, or enhanced with innovative benefits.

Build in the Basics

Waiver of Premium
Partial Disability
Conditional Portability
Initial Rate/Premium Guarantee
Experience Rating

Rely on Complete Coverage

Mental Illness
Drug and Alcohol
Pre-Existing Credit for Takeover groups

Experience Benefit Innovation

Pre-Existing Condition Benefit
Survivor Benefit
Critical Care/FMLA
Terminal Illness
Organ Donation

Benefits

Total Disability Benefit

The amount of Total Disability Benefit equals the maximum benefit amount minus any deductible sources on income.

Definition

Choice of own occupation or any occupation definition.
Insured is unable, due to non-occupational sickness or injury, to do the substantia and material duties of his or her regular job/any occupation; and is not doing any work for pay or benefits.

Partial Disability Benefit

Option A: The maximum benefit amount minus any deductible source of income.
Option B: The maximum benefit amount minus 50% of deductible sources of income.
Option C: Benefit equals 50% of the maximum benefit amount for up to six months.

Definition

Insured is unable, due to non-occupational sickness or injury, to do one or more, but not all the substantial and material duties of his or her regular job/any occupation
Insured has a 20% loss in pre-disability earnings due to the same non-occupational sickness or injury
Insured is not totally disabled
(Options B and C only) Insured was Totally Disabled during the elimination period and for at least four consecutive weeks following the elimination period for the same non-occupational sickness or injury

Covered Conditions

Non-occupational sickness or injury
Pregnancy
Complications of Pregnancy

Pre-Existing Condition

Definition
Sickness or injury for which the insured had received medical treatment, consultation, care or services including diagnostic measures, or had taken prescribed drugs or medicines in the 3/6/12 months immediately prior to the effective date.

Limitation
No benefits will be paid for any disability caused by or resulting from a pre-existing condition, which begins in the first 6/12/24 months after the insured’s effective date.

Pre-existing Condition Credit for Takeovers

An insured will receive credit for a pre-existing period that has been satisfied with the prior group carrier for like benefits, as long as there is no lapse in coverage between the termination date with the prior group carrier and the effective date. The benefit is the lesser of the amount paid by the prior plan (had it remained in force) and the benefit under this coverage.

Maximum Benefit Periods

13 to 104 weeks
3, 6, 12, 24 months

Injury/Sickness Elmination Periods

0/7, 7/7, 0/14, 7/14, 14/14, 0/30, 7/30, 14/30,
30/30, 60/60, 180/180, 365/365

Standard Eligibility

Active full-time employees, age 17 to 67, on the job 90 days; longer than 90 days for part-time employees.

	Home About Plans Retirement Forms Contact FAQ Plans Vision Care Plans Dental Care Plans Disability Plans Regence Medical Services Disability Care Flexible Design with Innovative Benefits Short Term Disability is designed to encourage ultimate flexibility. Designs can be perfectly simple, easily adjusted to match an existing plan, or enhanced with innovative benefits. Build in the Basics Waiver of Premium Partial Disability Conditional Portability Initial Rate/Premium Guarantee Experience Rating Rely on Complete Coverage Mental Illness Drug and Alcohol Pre-Existing Credit for Takeover groups Experience Benefit Innovation Pre-Existing Condition Benefit Survivor Benefit Critical Care/FMLA Terminal Illness Organ Donation Benefits Total Disability Benefit The amount of Total Disability Benefit equals the maximum benefit amount minus any deductible sources on income. Definition Choice of own occupation or any occupation definition. Insured is unable, due to non-occupational sickness or injury, to do the substantia and material duties of his or her regular job/any occupation; and is not doing any work for pay or benefits. Partial Disability Benefit Option A: The maximum benefit amount minus any deductible source of income. Option B: The maximum benefit amount minus 50% of deductible sources of income. Option C: Benefit equals 50% of the maximum benefit amount for up to six months. Definition Insured is unable, due to non-occupational sickness or injury, to do one or more, but not all the substantial and material duties of his or her regular job/any occupation Insured has a 20% loss in pre-disability earnings due to the same non-occupational sickness or injury Insured is not totally disabled (Options B and C only) Insured was Totally Disabled during the elimination period and for at least four consecutive weeks following the elimination period for the same non-occupational sickness or injury Covered Conditions Non-occupational sickness or injury Pregnancy Complications of Pregnancy Pre-Existing Condition Definition Sickness or injury for which the insured had received medical treatment, consultation, care or services including diagnostic measures, or had taken prescribed drugs or medicines in the 3/6/12 months immediately prior to the effective date. Limitation No benefits will be paid for any disability caused by or resulting from a pre-existing condition, which begins in the first 6/12/24 months after the insured’s effective date. Pre-existing Condition Credit for Takeovers An insured will receive credit for a pre-existing period that has been satisfied with the prior group carrier for like benefits, as long as there is no lapse in coverage between the termination date with the prior group carrier and the effective date. The benefit is the lesser of the amount paid by the prior plan (had it remained in force) and the benefit under this coverage. Maximum Benefit Periods 13 to 104 weeks 3, 6, 12, 24 months Injury/Sickness Elmination Periods 0/7, 7/7, 0/14, 7/14, 14/14, 0/30, 7/30, 14/30, 30/30, 60/60, 180/180, 365/365 Standard Eligibility Active full-time employees, age 17 to 67, on the job 90 days; longer than 90 days for part-time employees.
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