Legislative & Regulatory Information

Size: px
Start display at page:

Download "Legislative & Regulatory Information"

Transcription

1 U.S. Business Legislative, Privacy & Projects UFS Topic Jurisdiction Effective Date Author Release Date File No. CA; HI; NJ; NY; RI; PR Reference: Disability State Plans Supersedes LI-456R Randall Sigmund 1/23/14 LI-484 HIGHLIGHTS OF STATE DISABILITY BENEFIT LAWS (JANUARY 2014) Executive Summary Six jurisdictions have laws which require employers to provide disability benefits for non-occupational disabilities. Those jurisdictions are: California, Hawaii, New Jersey, New York, Rhode Island, and the Commonwealth of Puerto Rico. MetLife has products that employers can utilize to comply with the mandated disability requirements in Hawaii, New Jersey, New York, and Puerto Rico. The attached Highlights of State Disability Benefit Laws chart outlines certain features of the laws in these six jurisdictions. Background Rhode Island enacted the first mandatory employer non-occupational disability benefits law, called Temporary Disability Insurance (or TDI) in This was followed by California s State Disability Insurance (SDI) in 1946, New Jersey s Temporary Disability (TDB) in 1948, New York s Disability Benefit Law (DBL) in 1949, Puerto Rico s Seguro por Incapacidad No Ocupacional Temporal (SINOT) in 1968, and Hawaii s Temporary Disability Insurance (TDI) in Each jurisdiction provides for a different method by which employers can establish complying plans, from Rhode Island s state-administered plan (coverage is only available through the State), to Hawaii s reliance on employer-provided plans only (no State coverage). Legislative & Regulatory Information Failure to comply with these laws generally results in fines and penalties being imposed against the employer. Virtually all non-governmental, non-religious and for-profit private employers are affected. These laws are generally applicable to each distinct employing unit of an employer Metropolitan Life Insurance Company

2 2 Some jurisdictions assign unique identifying numbers to employers or employing units. Whenever any employing unit receives its own identifying number, that unit is also separately responsible for obtaining and filing a plan of disability benefits that complies with the state disability benefit law. These six mandatory disability benefit laws share two features that make them very important for employers with employees in those jurisdictions: Employers may not claim ERISA preemption for short-term disability plans in these jurisdictions, even if such plans are self-insured. This is because ERISA does not apply to plans written to comply with applicable state disability benefit laws. 1 These laws apply to employees working in these jurisdictions, regardless of the location of the employer s corporate headquarters or the situs of any of its group insurance policies or benefit plans. Affected Employers Generally, all private employers with employees working in a jurisdiction with a state disability benefit law (generally referred to as a state plan jurisdiction) are affected by such law. An employer may provide the minimum benefits required (usually called statutory benefits ) or greater benefits under the same or a supplemental plan. (In Rhode Island, any additional benefits can only be provided by a supplemental plan. In California, if an employer chooses to use its own Voluntary Plan, the plan must exceed State Fund standards in at least one area.) An employer that is subject to the state disability benefit law may never provide less than statutory benefits. Affected Employees Coverage of all full and regular part-time employees is usually required for disabilities caused by non-occupational injury or illness, including pregnancy. Employees may not collect unemployment insurance benefits for the same period as they are claiming benefits for a disability. As shown in the attached chart, some jurisdictions exempt certain students and certain other classes of employees from the state disability benefits law. Eligibility for coverage varies from the first day of employment, with no probationary period, to probationary periods that are waived for employees who were previously covered employees under a prior employer s disability plan. Pregnancy Disabilities caused by or related to pregnancy are generally treated the same as any other illness. However, in Puerto Rico, disability is presumed during the eight weeks a woman is entitled to maternity leave from her employer under Puerto Rico s Working Mothers Act. The Working Mothers Act requires the employer to pay pregnancy and child adoption leave at the worker s full salary. Therefore, SINOT disability payments are not required during that portion of a pregnancy leave where the mother is receiving Working Mothers Act benefits. However, if the woman is disabled beyond the time period of paid Working Mothers Act leave, she may be entitled to collect SINOT 1 See 29 USC 1003 (b)(3).

3 3 disability benefits. If physician certified pregnancy-related disability continues beyond eight weeks, benefits under SINOT are the same as for any other disability. Waiting Period: In general, benefits are paid after the seventh consecutive day of disability. However, in New Jersey, Puerto Rico, and Rhode Island, benefits may also be provided for some or all of the first seven days under certain circumstances (such as hospitalization, or a disability extending for a specified period of time). In all instances, for benefits to be payable, an employee must be certified as disabled by specified licensed practitioners. Duration of : Hawaii, New Jersey, New York, and Puerto Rico provide that benefits must continue for up to 26 weeks, or prior recovery. Rhode Island provides that benefits must continue for up to 30 weeks and California provides that benefits must continue for up to 52 weeks. are generally a percentage of an employee s wages over a specified period of time, with a statutory maximum that need not be exceeded. Some jurisdictions also have a statutory minimum benefit, regardless of the wage base of the disabled employee. Some Other : In addition to wage replacement benefits, Puerto Rico s SINOT also provides for death and dismemberment benefits. The death benefit is $4,000. The dismemberment benefit ranges from $2,000 to $4,000, depending on the severity of the loss. Rhode Island s TDI, in addition to salary-based wage replacement benefits, also provides for an additional payment for up to five dependent children under age 18 (and over age 18, if a child is disabled). Complying With These Laws Even if an employer s existing sickness and accident plan provides greater dollar benefits than required by a state plan law, a separate plan written to comply with the law of each state plan jurisdiction in which an employer has employees is usually required. This is because a disability benefits plan not specifically written to comply with state plan requirements will likely not meet minimum state plan requirements in one or more of the following areas: employee eligibility, probationary and waiting periods, practitioners from whom certification of disability must be accepted, and payment of benefits for disabilities that begin during a period after an employee s employment terminates (known as post-employment benefits). Such post-employment benefits are required under an employer s plan in Hawaii, New Jersey, New York, and Puerto Rico. Also, even if an existing employer s plan meets the requirements of a state disability benefit law, there generally are filing and approval requirements with which employers must comply before the plan can be used.

4 4 Using MetLife Disability Products to Comply MetLife has insurance products that employers can purchase in order to comply with their obligations under state disability benefit laws in Hawaii, New Jersey, New York, and Puerto Rico, but not in Rhode Island, where statutory coverage is available only from the State, and in California where administrative rules have made it impractical. MetLife provides administrative services for an employer s state approved self-insured plan in California, Hawaii, New Jersey and New York. MetLife only has fully insured policies available in Puerto Rico, Hawaii, New Jersey and New York. Employers in California, New Jersey, New York and Puerto Rico may also obtain coverage directly from the state. Using Self-Insurance to Comply Subject to prior state approval, employer self-insurance is permitted in New Jersey, New York, California, Hawaii, and Puerto Rico, but not in Rhode Island (which requires employers to obtain coverage directly from the State). When an employer opts for self-insurance, employer bonding and financial disclosure requirements may apply. A MetLife Administrative Services Agreement (ASA) to administer an employer s self-insured state disability plan is currently available in New York, New Jersey and California. MetLife does not currently provide administrative services for employers wishing to use self-insurance to comply with the statutory requirements of Puerto Rico. Using the Attached Highlights Chart The attached chart provides an overview of the requirements of some of the provisions of the state disability benefit laws. It focuses on the provisions concerning employer plans and reflects some of the latest changes in these laws. For a description of some of the latest changes in these laws, please refer to the following Legislative & Regulatory Information ( LI ) Releases: LI-468 Rhode Island Increases TDI Maximum Benefit LI-477R New Jersey Temporary Disability (TDB) - Rate Changes for 2014 (Revised) LI-478 California State Disability Insurance (SDI) - and Maximum Employee Contribution for 2014 LI-479 Hawaii Temporary Disability Insurance (TDI) Maximum and for 2014 There were no recent developments in, or releases on, New York s or Puerto Rico s disability benefits laws.

5 5 This chart is not, and should not be relied upon as a comprehensive statement of the requirements, limitations, and/or provisions of the mandatory state disability benefits laws, or of all employer responsibilities or of all employee rights under those laws. This LEGISLATIVE & REGULATORY INFORMATION release is not intended to supply legal advice or to offer solutions to individual problems. Those who require such advice should consult their attorneys.

6 H I G H L I G H T S O F S T A T E D I S A B I L I T Y B E N E F I T L A W S JURISDICTION C A L I F O R N I A H A W A I I N E W J E R S E Y Type Of Law Competitive between state fund and private plans - former automatic if latter not elected by employer or with his consent, and by employee Approach Used Tax supported state fund provides benefits - like Unemployment Compensation, but Voluntary Plans may be substituted. Types of Private Plans Limitations Upon Right to Establish Private Plans Employee Employer Required Employers Covered Employees Excluded Religious Exemptions Statutory Eligibility Requirements How are Computed Insured and self-insured plans exceeding state fund standards. Must not result in substantial adverse selection against state fund - for insured voluntary plans only. State or Private; Not more than 1.0% of the first $101,636 of annual wages (i.e., a maximum of $1,016.36). State: None Private Plan: Balance of cost. Employers of 1 or more and $100 payroll in any quarter - same as Unemployment Comp. Certain employees of certain non-profit organizations, railroad and government employees, real estate salesmen and others. Members of any sect, etc., which depends for healing upon prayer in the practice of religion, upon filing waiver of benefits. Earnings in base year of not less than $300, from which SDI taxes were withheld. Schedule of benefits same as unemployment compensation - depends on wages in base period. All Private Plan. (No state fund or plan.) Employer must provide benefits like Workers Compensation, but employees share cost. Insured and self-insured plans equal to or exceeding statutory requirements and continuation of certain existing plans (collective bargaining). 50% of cost but not more than 0.5% of weekly wages, to a maximum of $4.70 per week. Competitive between state fund and private plans - former automatic if latter not elected by employer and, if contributory, by majority of employees. Tax supported state fund provides benefits - like Unemployment Comp., but private plans may be substituted. Insured and self-insured plans equaling or exceeding state fund standards, and continuation of certain other existing plans. Private plan cannot exclude any class of employees, determined by age, sex, race, or wages. 0.38% (increased from 0.36% in 2013) of maximum subject wages ($31,500 effective 1/1/14), determined annually or $2.30 weekly / $9.98 monthly. Balance of cost. State: 0.5% of maximum subject wages ($31,500 effective 1/1/14), determined annually. Also subject to experience rating. Private Plan: Balance of cost. All employers. Employers of 1 or more who pay $1,000 or more in total wages - same as Unemployment Compensation. Certain domestic servants, non-profit organization employees and others. Remuneration for at least 20 hours, and wages of at least $400 during the 52 weeks immediately preceding disability. 58% of average weekly wage of $26 or more to next highest dollar. Certain farm laborers, domestic servants, railroad employees, real estate salesmen, certain government employees and others. Members of any sect, etc., which depends for healing upon prayer or other spiritual means upon filing waiver of benefits. Either 20 weeks of work in covered employment during base year with earnings of at least $145 in each week; or $7,300 of annual earnings. 2/3 average weekly wage subject to a maximum of 53% of statewide average remuneration (determined annually). Minimum Weekly $50. $14 or average weekly wage, if lesser amount. None Maximum Weekly Maximum Duration $1,075 (effective 1/1/14). $546 (effective 1/1/14) $595 (effective 1/1/14) 52 weeks. 26 weeks for any disability or within a benefit year. 26 weeks with respect to any 1 period of disability. Waiting Period 7 days. 7 days. 7 days for each disability, but if benefits are payable for 3 consecutive weeks, then benefits become payable with respect to the first 7 days. Maternity Effect of Continued Pay From Employer During Disability for Disabled Unemployed Financed by Pregnancy related disabilities treated as any other illness. Can still receive disability benefits for each day of disability in amount which, together with wages, does not exceed 1/7 of regular weekly wage immediately prior to disability. State Fund, which will be credited with a percentage of taxable wages paid to employees for each calendar year. Pregnancy related disabilities treated as any other illness. No disqualification from benefits, but salary continuance may be used as part of compliance with benefit provisions of the law. Special fund created July 1, 1969, from employer contribution of 0.2% of covered wages. Levy on employers or insurers when balance is below $500,000. Post-Employment None 2 weeks. 2 weeks. Period of Coverage 1/ Metropolitan Life Insurance Co. Pregnancy related disabilities treated as any other illness. Reduces benefits if benefits plus continued employer pay exceeds regular weekly wages. State Plan, which has custody of Unemployment Disability Account and which provides for employer assessment not to exceed 1/10 of 1% of taxable wages paid in preceding year if account has deficit over $200,000.

7 H I G H L I G H T S O F S T A T E D I S A B I L I T Y B E N E F I T L A W S JURISDICTION N E W Y O R K P U E R T O R I C O R H O D E I S L A N D Type Of Law Approach Used Types of Private Plans Limitations Upon Right to Establish Private Plans Employee Employer Required Employers Covered Employees Excluded Religious Exemptions Statutory Eligibility Requirements How are Computed Minimum Weekly Maximum Weekly Maximum Duration Competitive between state fund and private plans - employer must choose. Employer required to provide benefits - like Workers Compensation but employees share cost. Insured and self-insured plans equaling or exceeding statutory requirements and continuation of certain existing plans. Competitive between state fund and private plans - former automatic if latter not elected by April 30 - to be effective July 1. Contributory plans require majority employee consent. Tax supported state fund provides benefits - like Unemployment Comp., but private plans may be substituted. Insured and self-insured plans equal to or exceeding statutory requirements and continuation of certain other existing plans. Must agree to pay certain assessments. 0.5% of employee s wages, but not in excess of $.60 weekly. State or Private Plan: 0.3% of taxable wages (up to $9,000). State fund only - no private plans allowed in substitution. Tax supported state fund provides benefits - like Unemployment Compensation. Balance of cost. 0.3% of wages (up to $9,000). Employers of 1 or more on each of at least 30 days in one calendar year. Certain elementary and high school day students, casual employees, employees of non-profit organizations and others. Members of a religious order which depends for healing upon prayer or other spiritual means upon filing waiver of benefits. Generally four consecutive weeks of covered employment, not necessarily with current employer 50% of average weekly wage, subject to a maximum of $170 (unchanged since 5/1/89). $20, or average weekly wage, whichever is less. Employers of 1 or more on any day in current or previous calendar year. Certain domestic servants, students employed by school or college, government or non-profit organization employees and others. Base year earnings of $150 in covered employment. 65% of average weekly wage, subject to a maximum of $113 (unchanged since 7/1/85). $170. (unchanged since 5/1/89) $113 - (Non-Agricultural) There is a death benefit of $4,000; also dismemberment benefits of $2,000 to $4, weeks. 26 weeks for any disability or in any 52 week period. Waiting Period 7 days for each disability. 7 days for each disability; if hospitalized during first 7 days, benefits begin on 1st day of hospitalization. Maternity Effect of Continued Pay From Employer During Disability for Disabled Unemployed Financed by Pregnancy-related disabilities treated as any other illness. Generally, sick pay and benefits may be received simultaneously. Assessment on insurance companies, self-insurers, state insurance fund and existing plans, without limit. Not Applicable. 1.2% of first $61,400 of annual wages. Employers of 1 or more - same as Unemployment Compensation. Also any city or town which elects coverage. Certain domestic servants, students employed by school or college, employees of certain non-profit organizations, government employees and others. Members of any sect, etc., which depends for healing upon prayer or other spiritual means upon filing waiver of benefits. Either base year earnings of $9,300; or at least $1,550 in one of the base period quarters and base period wages of at least 1½ times the highest quarter earnings and total base period wages of at least $3, % of highest quarter wages in base period; subject to a maximum of 85% of statewide average of employees covered by Employment Security Act. $12 (Non-Agricultural). $72, plus greater of $10 or 7% of weekly benefit per dependent child to age 18, or over 18 if handicapped. (Max. 5 children). First 8 weeks: employer-paid leave at full salary per Working Mothers Act; regular SINOT benefits thereafter. Reduces benefit if combined total would exceed wages. Provision under state plan for benefit payment to employer if full pay continues. under the Act. Private plans to be assessed annually on a basis considered to be an equitable share of cost. $752, plus greater of $10 or 7% of benefit per dependent child (up to 5) under age 18 (or over 18 if handicapped). 30 weeks. No waiting period as of 7/1/12. Must be unemployed for at least 7 days due to non-job related illness. Pregnancy-related disabilities treated as any other illness. Generally, sick pay and benefits may be received simultaneously. State plan. Post-Employment 4 weeks. 2 weeks. Period of Coverage 1/ Metropolitan Life Insurance Co.

State Disability Insurance Laws

State Disability Insurance Laws State Disability Insurance Laws State disability insurance benefits are also called temporary disability insurance benefits and short-term disability insurance benefits. Currently, only five states provide

More information

TEMPORARY DISABILITY INSURANCE

TEMPORARY DISABILITY INSURANCE Temporary Disability Insurance (TDI) programs are designed to provide wage replacement for non-work-connected sickness or injury. The TDI program complements the UI program by providing benefits to individuals

More information

CHAPTER 3 SOCIAL SECURITY DISABILITY INSURANCE PROGRAM

CHAPTER 3 SOCIAL SECURITY DISABILITY INSURANCE PROGRAM CHAPTER 3 SOCIAL SECURITY DISABILITY INSURANCE PROGRAM Social Security (DI a ) by the Numbers (2007) Workers Paying Social Security Taxes 163.2 million DI Tax Rate (on both the Employee and Employer) 0.9

More information

CHAPTER 8 TEMPORARY DISABILITY INSURANCE

CHAPTER 8 TEMPORARY DISABILITY INSURANCE CHAPTER 8 TEMPORARY DISABILITY INSURANCE IN GENERAL Temporary Disability Insurance (TDI) programs are designed to provide wage replacement for nonwork-connected sickness or injury. The TDI program complements

More information

California State Disability Insurance

California State Disability Insurance California State Disability Insurance 2012 EDD Disability Insurance Branch Info Tech. Branch Admin Branch Policy Accountability & Compliance Branch Public Affairs Branch Tax Branch Unemploy. Insur. Branch

More information

IBM Short-Term Disability Income Plan A Self-Insured Voluntary Disability Plan. Part 2 For Non-Regular California Employees of

IBM Short-Term Disability Income Plan A Self-Insured Voluntary Disability Plan. Part 2 For Non-Regular California Employees of IBM Short-Term Disability Income Plan A Self-Insured Voluntary Disability Plan Part 2 For Non-Regular California Employees of International Business Machines Corporation and all Designated Subsidiaries

More information

Employee Term Life Accidental Death & Dismemberment. Dependent Term Life. Short-Term Disability. Long-Term Disability

Employee Term Life Accidental Death & Dismemberment. Dependent Term Life. Short-Term Disability. Long-Term Disability Lafayette Life Insurance Company True Group Product Information For Groups with 10+ Employees Employee Term Life Accidental Death & Dismemberment Dependent Term Life Short-Term Disability Long-Term Disability

More information

Workers Compensation and Disability Administration. Short-Term Disability Insurance (VDI) and Paid Family Leave (PFL)

Workers Compensation and Disability Administration. Short-Term Disability Insurance (VDI) and Paid Family Leave (PFL) Workers Compensation and Disability Administration Short-Term Disability Insurance (VDI) and Paid Family Leave (PFL) January 1, 2013 To: From: Re: Faculty and Staff of The Claremont Colleges Workers Compensation

More information

Workers Compensation and Disability Administration. Short-Term Disability Plan (VDI) and Paid Family Leave (PFL)

Workers Compensation and Disability Administration. Short-Term Disability Plan (VDI) and Paid Family Leave (PFL) Workers Compensation and Disability Administration Short-Term Disability Plan (VDI) and Paid Family Leave (PFL) workers compensation and disability administration 1 Table of Contents Letter to Faculty

More information

Adobe Systems, Inc. California Voluntary Disability Insurance Plan. Statement of Coverage

Adobe Systems, Inc. California Voluntary Disability Insurance Plan. Statement of Coverage Adobe Systems, Inc. California Voluntary Disability Insurance Plan Statement of Coverage ELIGIBILITY AND EFFECTIVE DATE OF COVERAGE All California employees are for coverage under this plan. Coverage begins

More information

New Jersey Temporary Disability Benefits Law TDB

New Jersey Temporary Disability Benefits Law TDB New Jersey Temporary Disability Benefits Law TDB Frequently Asked Questions General Questions - TDB What is TDB? TDB is the New Jersey Temporary Disability Benefits Law. This state-mandated Short Term

More information

Black Lung (Part B) Program Data, 1996

Black Lung (Part B) Program Data, 1996 SOCIAL INSURANCE PROGRAMS monthly cash benefits to coal miners who are totally disabled by pneumoconiosis (black lung) contracted as a result of employment in and around the Nation s coal mines. Benefits

More information

PAYROLL TAXES. Prepared by JFO and LC

PAYROLL TAXES. Prepared by JFO and LC 1 PAYROLL TAXES Prepared by JFO and LC 2 Federal Payroll Taxes FICA (Federal Insurance Contributions Act) Social Security (OASI: Old Age, Survivors & Disability Insurance) 6.2% Employer share 6.2% Employee

More information

FAMILY LEAVE INSURANCE AND TEMPORARY DISABILITY INSURANCE PROGRAMS

FAMILY LEAVE INSURANCE AND TEMPORARY DISABILITY INSURANCE PROGRAMS FAMILY LEAVE INSURANCE AND TEMPORARY DISABILITY INSURANCE PROGRAMS The enactment P.L. 2008, chapter 17 on May 2, 2008 created the New Jersey Family Leave Insurance Program and required the Commissioner

More information

Adobe Systems, Inc. California Voluntary Disability Insurance Plan

Adobe Systems, Inc. California Voluntary Disability Insurance Plan Adobe Systems, Inc. California Voluntary Disability Insurance Plan Statement of Coverage Effective for Benefit Periods commencing on or after January 1, 2015 ELIGIBILITY AND EFFECTIVE DATE OF COVERAGE

More information

Table of Contents. Section 4: Disability

Table of Contents. Section 4: Disability Table of Contents Section 4: Disability YOUR CALTECH DISABILITY BENEFITS... 4.1 Short Term Disability... 4.1 Paid Family Leave... 4.1 Long Term Disability... 4.1 YOUR BASIC AND SUPPLEMENTAL LONG TERM DISABILITY

More information

Short-Term Disability Pay Policy for Hourly & Commissioned Associates

Short-Term Disability Pay Policy for Hourly & Commissioned Associates Short-Term Disability Pay Policy for Hourly & Commissioned Associates POLICY DESCRIPTION Effective March 1, 2016 Effective March 1, 2016, Updated March 2, 2016 1 of 14 Table of Contents Table of Contents...

More information

NJ State Disability Benefits (TDB) An Employer Guide to how a private carrier can improve claims processing and lower costs.

NJ State Disability Benefits (TDB) An Employer Guide to how a private carrier can improve claims processing and lower costs. NJ State Disability Benefits (TDB) An Employer Guide to how a private carrier can improve claims processing and lower costs. The Program At A Glance 2015 NJ Standard TDB Coverage Eligible Groups All NJ

More information

Employer Obligation to Maintain and Report Records

Employer Obligation to Maintain and Report Records New Jersey Department of Labor and Workforce Development Chapter 194, Laws of New Jersey, 2009, Relating to Employer Obligation to Maintain and Report Records Regarding Wages, Benefits, Taxes and Other

More information

CHAPTER 260. AN ACT concerning employee leasing companies. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey:

CHAPTER 260. AN ACT concerning employee leasing companies. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey: CHAPTER 260 AN ACT concerning employee leasing companies. BE IT ENACTED by the Senate and General Assembly of the State of New Jersey: C.34:8-67 Definitions relative to employee leasing companies. 1. For

More information

How Group Disability Income and Individual Disability Income Policies are Similar and Different

How Group Disability Income and Individual Disability Income Policies are Similar and Different Agenda Item 5.A. How Group Disability Income and Individual Disability Income Policies are Similar and Different As you review the Draft standards, you will find that in many respects provisions for group

More information

California s New Paid Family Leave Law: Family Temporary Disability Insurance (FTDI)

California s New Paid Family Leave Law: Family Temporary Disability Insurance (FTDI) 10 C P E R J O U R N A L No. 161 California s New Paid Family Leave Law: Family Temporary Disability Insurance (FTDI) Contributors include: Nina Fendel, regional representative, California Faculty Association

More information

SAFETY WELFARE AND BENEFITS

SAFETY WELFARE AND BENEFITS Prepared by the Pesonnel Management Office. This is a new Administrative Procedure. November 1986 SAFETY WELFARE AND BENEFITS A9.770 STATE OF HAWAII TEMPORARY DISABILITY BENEFITS PLAN FOR CIVIL SERVICE

More information

New Jersey State Disability Claim. Your New Jersey State Disability Benefit Claim. How To Apply For Benefits

New Jersey State Disability Claim. Your New Jersey State Disability Benefit Claim. How To Apply For Benefits Your New Jersey State Disability Benefit Claim This packet contains the forms that will help us to process your claim for New Jersey State Disability Benefits. Please save a copy of this material for your

More information

PROCEDURES FOR REQUESTING PREGNANCY/ MATERNITY LEAVE

PROCEDURES FOR REQUESTING PREGNANCY/ MATERNITY LEAVE PROCEDURES FOR REQUESTING PREGNANCY/ MATERNITY LEAVE SCOPE The guidelines and procedures outlined in this document and in all policies relating to pregnancy leave including Short Term Disability, Long

More information

Rights & Obligations under the Nebraska Workers Compensation Law

Rights & Obligations under the Nebraska Workers Compensation Law Nebraska Workers Compensation Court Information Sheet: Rights & Obligations under the Nebraska Workers Compensation Law NEBRASKA WORKERS COMPENSATION COURT OFFICIAL SEAL What is workers compensation? Workers

More information

Short Term Disability Plan

Short Term Disability Plan Short Term Disability Plan The Short Term Disability Plan provides eligible Full-Time Employees with short term income protection for absences due to nonworking related disability. Coverage is automatic

More information

State Disability Insurance Provisions

State Disability Insurance Provisions State Disability Insurance Provisions This pamphlet is for general information only, and does not have the force and effect of law, rule or regulation. DE 2515 Rev. 54 (8-06 ) (INTERNET) Cover + 5 Pages

More information

The Effective Date of this plan shall be April 1, TEXAS WESLEYAN UNIVERSITY. By: Title: Date:

The Effective Date of this plan shall be April 1, TEXAS WESLEYAN UNIVERSITY. By: Title: Date: Texas Wesleyan University hereby adopts the attached document as its self-funded short-term disability income benefit plan for Class 1, All Full-Time Employees. The Effective Date of this plan shall be

More information

STANDARD INSURANCE COMPANY

STANDARD INSURANCE COMPANY STANDARD INSURANCE COMPANY A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 CERTIFICATE GROUP LIFE INSURANCE Policyholder: Missouri Department of Transportation

More information

ROCHESTER INSTITUTE OF TECHNOLOGY

ROCHESTER INSTITUTE OF TECHNOLOGY ROCHESTER INSTITUTE OF TECHNOLOGY Sick/Personal Leave and Short-Term Disability Table of Contents Introduction...2 Sick/Personal Leave for Non-Exempt Staff...2 Staff Employees Scheduled for Less Than 12

More information

Social assistance: 2% of covered payroll. Government. Social insurance: None; contributes as an employer. Social assistance: Any deficit.

Social assistance: 2% of covered payroll. Government. Social insurance: None; contributes as an employer. Social assistance: Any deficit. Barbados Exchange rate: US$1.00 = 2.02 Barbadian dollars (B$). Old Age, Disability, and Survivors First law: 1937 (social assistance). Current law: 1966 (social insurance). Type of program: Social insurance

More information

Employees. Table of Contents

Employees. Table of Contents Table of Contents 1. Introduction 2 2. Recruitment 2 3. Pay and Leave Administration 5 3.1 Pay Administration 5 3.2 Leave Administration 7 4. Benefits 10 5. Employee Assistance Program 12 6. Conflict Resolution

More information

U.S. Railroad Retirement Board www.rrb.gov. RAILROAD UNEMPLOYMENT and SICKNESS BENEFITS

U.S. Railroad Retirement Board www.rrb.gov. RAILROAD UNEMPLOYMENT and SICKNESS BENEFITS U.S. Railroad Retirement Board www.rrb.gov RAILROAD UNEMPLOYMENT and SICKNESS BENEFITS U. S. Railroad Retirement Board MISSION STATEMENT The Railroad Retirement Board s mission is to administer retirement/survivor

More information

1 of 4 DOCUMENTS. NEW JERSEY REGISTER Copyright 2011 by the New Jersey Office of Administrative Law. 43 N.J.R. 1571(a)

1 of 4 DOCUMENTS. NEW JERSEY REGISTER Copyright 2011 by the New Jersey Office of Administrative Law. 43 N.J.R. 1571(a) Page 1 1 of 4 DOCUMENTS NEW JERSEY REGISTER Copyright 2011 by the New Jersey Office of Administrative Law VOLUME 43, ISSUE 14 ISSUE DATE: JULY 18, 2011 RULE PROPOSALS LABOR AND WORKFORCE DEVELOPMENT THE

More information

Workers Compensation and Disability Administration. Short-Term Disability Plan (VDI) and Paid Family Leave (PFL)

Workers Compensation and Disability Administration. Short-Term Disability Plan (VDI) and Paid Family Leave (PFL) Workers Compensation and Disability Administration Short-Term Disability Plan (VDI) and Paid Family Leave (PFL) WORKERS COMPENSATION AND DISABILITY ADMINISTRATION 1 TABLE OF CONTENTS Letter to faculty

More information

Updated 1/1/2010 Updated EHR provisions. Updated 1/1/2014 Removed STD language. The income for which an employee may be eligible under this Policy.

Updated 1/1/2010 Updated EHR provisions. Updated 1/1/2014 Removed STD language. The income for which an employee may be eligible under this Policy. Policy effective date: 1/1/2003 Policy Updates Updated 7/1/2004 Added reporting requirements. Deleted reference to Phillips Pipe Line Relief Labor Pool in Eligibility section. Updated 1/1/2010 Updated

More information

Standard Insurance Company. Certificate: Group Life Insurance

Standard Insurance Company. Certificate: Group Life Insurance Standard Insurance Company A Stock Life Insurance Company 900 SW Fifth Avenue Portland, Oregon 97204-1282 (503) 321-7000 Certificate: Group Life Insurance Policyholder: City of Seattle Policy Number: 608217-D

More information

SUMMARY OF THE MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT AND NOTICE CONCERNING COVERAGE LIMITATIONS AND EXCLUSIONS

SUMMARY OF THE MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT AND NOTICE CONCERNING COVERAGE LIMITATIONS AND EXCLUSIONS SUMMARY OF THE MONTANA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT AND NOTICE CONCERNING COVERAGE LIMITATIONS AND EXCLUSIONS Residents of Montana who purchase life insurance, annuities or health

More information

CHAPTER IV BENEFITS. The individual who performs or has performed services for an employer.

CHAPTER IV BENEFITS. The individual who performs or has performed services for an employer. CHAPTER IV BENEFITS In discussing coverage, there are four key terms: 1. Employer; 2. Employee; 3. Employment; and 4. Wages. Employer: The individual or organization who hires a person for some portion

More information

Benefit Plans for Small Businesses

Benefit Plans for Small Businesses EBNY Financial, LLC Kevin Kautzmann, CFP Certified Financial Planner 80 Fifth Avenue #1403 New York, NY 212-269-2625 kevin@ebnyfinancial.com www.ebnyfinancial.com Benefit Plans for Small Businesses Page

More information

STATE DISABILITY INSURANCE (SDI)

STATE DISABILITY INSURANCE (SDI) A Brief Introduction to STATE DISABILITY INSURANCE (SDI) Revised 1/10/10 WHAT IS SDI? California State Disability Insurance (SDI) is a partial wage-replacement insurance plan for California workers. Workers

More information

January 1, 2009. Optional Life Insurance Plan MMC

January 1, 2009. Optional Life Insurance Plan MMC January 1, 2009 MMC This is an employee-paid group-term life insurance plan that helps you provide for your family s financial security. The Plan pays money to someone you name as your beneficiary if you

More information

Optional and Dependent Life Group Insurance Plan 112687.011

Optional and Dependent Life Group Insurance Plan 112687.011 Optional and Dependent Life Group Insurance Plan 112687.011 CERTIFICATE OF COVERAGE Unum Life Insurance Company of America (referred to as Unum) welcomes you as a client. This is your certificate of coverage

More information

Legislative & Regulatory Information

Legislative & Regulatory Information U.S. Business Legislative, Privacy & Projects Jurisdiction Effective Date Author Release Date File No. UFS Topic Citation: Reference: Federal IMMEDIATE Louis Enahoro 6/28/12 LI-444 Disability 26 USC 3402(o),

More information

LONG-TERM DISABILITY. Table of Contents. Page i SUMMARY PLAN DESCRIPTION

LONG-TERM DISABILITY. Table of Contents. Page i SUMMARY PLAN DESCRIPTION For this plan year, the plan includes the following provisions, subject to change or discontinuation with or without notice at any time. This Summary Plan Description presents an overview of your Benefits.

More information

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR SOUTH LYON COMMUNITY SCHOOL NUMBER 143 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.

More information

U.S. Railroad Retirement Board www.rrb.gov. RAILROAD RETIREMENT and SURVIVOR BENEFITS

U.S. Railroad Retirement Board www.rrb.gov. RAILROAD RETIREMENT and SURVIVOR BENEFITS U.S. Railroad Retirement Board www.rrb.gov RAILROAD RETIREMENT and SURVIVOR BENEFITS U.S. Railroad Retirement Board MISSION STATEMENT The Railroad Retirement Board s mission is to administer retirement/survivor

More information

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET

LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET LONG TERM DISABILITY INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR WAYNE WESTLAND COMMUNITY SCHOOLS SCHOOL NUMBER 944 TEACHERS The benefits for which you are insured are set forth in the pages of this

More information

DISABILITY INSURANCE PROVISIONS

DISABILITY INSURANCE PROVISIONS DISABILITY INSURANCE PROVISIONS DE 2515 Rev. 56 (11-08) (INTERNET) Cover + 5 Pages CU/GA 892 B Disability is any illness or injury, either physical or mental, that prevents you from doing your regular

More information

New Jersey State Disability Claim. Your New Jersey State Disability Benefit Claim. The Standard Benefit Administrators. How To Apply For Benefits

New Jersey State Disability Claim. Your New Jersey State Disability Benefit Claim. The Standard Benefit Administrators. How To Apply For Benefits Your New Jersey State Disability Benefit Claim This packet contains the forms that will help us to process your claim for New Jersey State Disability Benefits. Please save a copy of this material for your

More information

Retirement Plan Of CITGO Petroleum Corporation And Participating Subsidiary Companies. Summary Plan Description As in effect January 1, 2012

Retirement Plan Of CITGO Petroleum Corporation And Participating Subsidiary Companies. Summary Plan Description As in effect January 1, 2012 Of CITGO Petroleum Corporation And Participating Subsidiary Companies Summary Plan Description As in effect January 1, 2012 01/2012 In the event of any conflict between this Summary Plan Description and

More information

California Laws Concerning Domestic Partners

California Laws Concerning Domestic Partners California Laws Concerning Domestic Partners FAMILY.CODE SECTION 297-297.5 297. (a) Domestic partners are two adults who have chosen to share one another's lives in an intimate and committed relationship

More information

DISABILITY INSURANCE PROVISIONS

DISABILITY INSURANCE PROVISIONS DISABILITY INSURANCE PROVISIONS DE 2515 Rev. 57 (11-09) (INTERNET) Cover + 5 Pages CU/GA 892 B Disability is any illness or injury, either physical or mental, that prevents you from doing your regular

More information

3. Has a disability which has been verified and accepted by the Employment Development Department (EDD), and

3. Has a disability which has been verified and accepted by the Employment Development Department (EDD), and NON-INDUSTRIAL DISABILITY INSURANCE (NDI) OVERVIEW WHAT IS NON-INDUSTRIAL DISABILITY INSURANCE (NDI)? NDI is a wage continuation program that provides income for eligible employees who are disabled and

More information

Select The STD Plan That Best Meets Your Needs PLAN BENEFITS. Maximum Weekly Benefit. % Earnings Payable. Benefit Duration Accident or Sickness

Select The STD Plan That Best Meets Your Needs PLAN BENEFITS. Maximum Weekly Benefit. % Earnings Payable. Benefit Duration Accident or Sickness Select The STD Plan That Best Meets Your Needs PLAN FEATURES j Benefit Level Pays 70% of weekly earnings. j Benefit Duration Duration of benefits is the number of weeks for which an insured can receive

More information

Disability Insurance Claim Packet Instructions. Your Disability Benefit Claim. The Standard Benefit Administrators. How To Apply For Benefits

Disability Insurance Claim Packet Instructions. Your Disability Benefit Claim. The Standard Benefit Administrators. How To Apply For Benefits Claim Packet Instructions Your Disability Benefit Claim This packet contains the forms necessary to apply for disability benefits. It also addresses common questions about Disability claims. Please save

More information

University of Dayton. Your Group Life and Accidental Death and Dismemberment Plan

University of Dayton. Your Group Life and Accidental Death and Dismemberment Plan University of Dayton Your Group Life and Accidental Death and Dismemberment Plan Identification No. 123359 011 Underwritten by Unum Life Insurance Company of America 5/8/2013 CERTIFICATE OF COVERAGE Unum

More information

Benefits Handbook Date January 1, 2016. Basic Long Term Disability Marsh & McLennan Companies

Benefits Handbook Date January 1, 2016. Basic Long Term Disability Marsh & McLennan Companies Date January 1, 2016 Marsh & McLennan Companies This Plan provides you with income in case you can t work for an extended period of time because of an injury or illness. Benefits under Marsh & McLennan

More information

THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK

THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK A Stock Life Insurance Company 360 Hamilton Avenue, Suite 210 White Plains, New York 10601-1871 (914) 989-4400 CERTIFICATE GROUP LIFE INSURANCE Policyholder:

More information

BENEFITS SUMMARY. Physicians (Unit 1)

BENEFITS SUMMARY. Physicians (Unit 1) BENEFITS SUMMARY Physicians (Unit 1) THE BENEFITS OF WORKING AT THE CSU This summary provides an overview of systemwide benefits generally available to Physician (Unit 1) employees of the California State

More information

Wisconsin Contractors Institute. Worker s Compensation Laws

Wisconsin Contractors Institute. Worker s Compensation Laws Wisconsin Contractors Institute Worker s Compensation Laws For more information: Website: www.wicontractorsinstitute.com Email: questions@wicontractorsinstitute.com Phone: 262-293-6850 Chapter 5 - Wisconsin

More information

A Group Short Term Disability Income Protection Benefit

A Group Short Term Disability Income Protection Benefit A Group Short Term Disability Income Protection Benefit that pays up to $500 a week Since 1964 KELSEY NATIONAL CORPORATION With State IIA Endorsed Group Short Term Disability Income Protection, You Get

More information

Guide to Taxation of Employee Disability Benefits

Guide to Taxation of Employee Disability Benefits Guide to Taxation of Employee Disability Benefits STANDARD INSURANCE COMPANY Guide to Taxation of Employee Disability Benefits Standard Insurance Company (The Standard) developed this guide to help you

More information

Term Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12

Term Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12 Term Life Insurance Developed for the Employees of Iona College 811761 a 06/12 Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing for retirement. Raising children

More information

BENEFITS SUMMARY. Academic Support (Unit 4)

BENEFITS SUMMARY. Academic Support (Unit 4) BENEFITS SUMMARY Academic Support (Unit 4) THE BENEFITS OF WORKING AT THE CSU This summary provides an overview of systemwide benefits generally available to Academic Support (Unit 4) employees of the

More information

Short-Term Disability Program

Short-Term Disability Program Short-Term Disability Program April 1, 2015 THE CBS SHORT-TERM DISABILITY (STD) PROGRAM The CBS Short -Term Disability (STD) Program is a salary continuance program designed to provide eligible employees

More information

United Kingdom. Old Age, Disability, and Survivors. United Kingdom. Exchange rate: US$1.00 = 0.64 pounds ( ). Qualifying Conditions

United Kingdom. Old Age, Disability, and Survivors. United Kingdom. Exchange rate: US$1.00 = 0.64 pounds ( ). Qualifying Conditions United Kingdom Exchange rate: US$1.00 = 0.64 pounds ( ). Old Age, Disability, and Survivors First laws: 1908 (old-age pension), 1911 (disability insurance), and 1925 (old-age and survivors insurance).

More information

FAMILY LEAVE INSURANCE WORKLOAD IN 2014 SUMMARY REPORT

FAMILY LEAVE INSURANCE WORKLOAD IN 2014 SUMMARY REPORT FAMILY LEAVE INSURANCE WORKLOAD IN 2014 SUMMARY REPORT New Jersey Department of Labor and Workforce Development Office of Research and Information October 2015 HIGHLIGHTS FAMILY LEAVE INSURANCE WORKLOAD

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY CG 00 34 12 07 LIQUOR LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage.

More information

EI Premium Reduction Program

EI Premium Reduction Program Employment Insurance Guide for Employers EI Premium Reduction Program Service Canada Government of Canada Gouvernement du Canada IN-041-05-06 For further information on the Employment Insurance Premium

More information

Benefits Handbook Date November 1, 2010. Optional Life Insurance Plan MMC

Benefits Handbook Date November 1, 2010. Optional Life Insurance Plan MMC Date November 1, 2010 MMC This is an employee-paid group-term life insurance plan that helps you provide for your family s financial security. The Plan pays money to someone you name as your BENEFICIARY

More information

Short-Term Disability Pay Policy for Hourly & Commissioned Associates

Short-Term Disability Pay Policy for Hourly & Commissioned Associates Short-Term Disability Pay Policy for Hourly & Commissioned Associates POLICY DESCRIPTION Effective March 1, 2014 Effective March 1, 2014, Updated November 26, 2013 1 of 15 Table of Contents Table of Contents...

More information

Virginia Association of Counties Group Self Insurance Risk Pool Disability Insurance Claim Packet Instructions

Virginia Association of Counties Group Self Insurance Risk Pool Disability Insurance Claim Packet Instructions Claim Packet Instructions Your Disability Benefit Claim We realize that being disabled is difficult. Even though you are unable to work, your financial obligations do not go away. To help you through these

More information

Nova Scotia College of Art & Design

Nova Scotia College of Art & Design Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document

More information

City State/Province State/Province of Jurisdiction (where corporate headquarters is located)

City State/Province State/Province of Jurisdiction (where corporate headquarters is located) SMALL CASE OFFERING CLIENT INFORMATION Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 This information initiates Unum processing that ultimately produces your contract,

More information

UNIVERSITY OF ROCHESTER LONG-TERM DISABILITY PLAN

UNIVERSITY OF ROCHESTER LONG-TERM DISABILITY PLAN UNIVERSITY OF ROCHESTER LONG-TERM DISABILITY PLAN The Long-Term Disability (LTD) Plan provides a monthly income benefit when an individual is totally disabled for more than six months. The benefit provided

More information

HAWAII ADMINISTRATIVE RULES TITLE 12 DEPARTMENT OF LABOR AND INDUSTRIAL RELATIONS SUBTITLE 3 DISABILITY COMPENSATION DIVISION CHAPTER 11

HAWAII ADMINISTRATIVE RULES TITLE 12 DEPARTMENT OF LABOR AND INDUSTRIAL RELATIONS SUBTITLE 3 DISABILITY COMPENSATION DIVISION CHAPTER 11 HAWAII ADMINISTRATIVE RULES TITLE 12 DEPARTMENT OF LABOR AND INDUSTRIAL RELATIONS SUBTITLE 3 DISABILITY COMPENSATION DIVISION CHAPTER 11 TEMPORARY DISABILITY INSURANCE Subchapter l General l2-ll-l Definitions

More information

City of Los Angeles Disability Insurance Claim Packet Instructions

City of Los Angeles Disability Insurance Claim Packet Instructions Claim Packet Instructions Your Disability Benefit Claim This packet contains the forms necessary to apply for disability benefits. It also addresses common questions about Disability claims. Please save

More information

PRODUCT SPECIFICATIONS. GROUP SHORT-TERM DISABILITY INSURANCE Employer-Funded and Employee-Paid Plans

PRODUCT SPECIFICATIONS. GROUP SHORT-TERM DISABILITY INSURANCE Employer-Funded and Employee-Paid Plans PRODUCT SPECIFICATIONS GROUP SHORT-TERM DISABILITY INSURANCE Employer-Funded and Employee-Paid Plans We all get sick and miss a day or two of work, but sometimes an accident or illness can keep us away

More information

Disability Insurance Claim Packet Instructions. Your Disability Benefit Claim. How To Apply For Benefits

Disability Insurance Claim Packet Instructions. Your Disability Benefit Claim. How To Apply For Benefits Claim Packet Instructions Your Disability Benefit Claim This packet contains the forms necessary to apply for disability benefits. It also addresses common questions about Disability claims. Please save

More information

Summary of Social Security and Private Employee Benefits MEXICO

Summary of Social Security and Private Employee Benefits MEXICO Private Employee Benefits MEXICO 2013 Your Local Link to IGP in MEXICO: Seguros Monterrey New York Life, S.A. Seguros Monterrey, S.A., founded in 1940, is one of the leading life and health insurance companies

More information

Benefits Summary Sheet

Benefits Summary Sheet Human Resources Management 1000 E. Victoria Street WH C-495 Carson, CA 90747 (310) 243-3771 FAX (310) 516-3595 http://www.csudh.edu/human_res/benefits.htm Benefits Summary Sheet Important!!! Please read

More information

Full- Time Employees Overview of Life Insurance Coverage Options for Full- Time Employees

Full- Time Employees Overview of Life Insurance Coverage Options for Full- Time Employees Life Insurance The Company offers different life insurance coverage options to protect you and your family in the case of your death or accidental injury (AD&D insurance only applies to full- time employees).

More information

Voluntary Term Life Insurance

Voluntary Term Life Insurance Voluntary Term Life Insurance Employee Benefit Booklet CITY OF TUCSON GAZ80191-0001 Class 1-01 Products and services marketed under the Dearborn National brand and the star logo are underwritten and/or

More information

your Benefits in Brief

your Benefits in Brief your Benefits in Brief Salaried and Non-Union Non-Exempt Employees of Kaiser Foundation Health Plan, Inc. and Kaiser Foundation Hospitals Northern California Kaiser Permanente is committed to providing

More information

BENEFITS OUTLINE. An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY

BENEFITS OUTLINE. An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY BENEFITS OUTLINE An introduction to the valuable benefits available to new and prospective regular employees of the Research Foundation for SUNY HEALTH CARE Health Care The RF Health Care plan features

More information

TRADITIONAL PLAN MEMBER GUIDE S U R S STATE UNIVERSITIES RETIREMENT SYSTEM

TRADITIONAL PLAN MEMBER GUIDE S U R S STATE UNIVERSITIES RETIREMENT SYSTEM TRADITIONAL PLAN MEMBER GUIDE S U R S STATE UNIVERSITIES RETIREMENT SYSTEM SURS MISSION STATEMENT To secure and deliver the retirement benefits promised to our members. This booklet is intended to serve

More information

Pillsbury Winthrop Shaw Pittman LLP 1200 Seventeenth Street NW Washington, DC tel fax

Pillsbury Winthrop Shaw Pittman LLP 1200 Seventeenth Street NW Washington, DC tel fax Pillsbury Winthrop Shaw Pittman LLP 1200 Seventeenth Street NW Washington, DC 20036-3006 tel 202.663.8000 fax 202.663.8007 Julia E. Judish tel 202.663.9266 julia.judish@pillsburylaw.com This memorandum

More information

Companion Life Insurance Company. Administrative Guide

Companion Life Insurance Company. Administrative Guide Companion Life Insurance Company Administrative Guide Contents Section.Title About Your Companion Life Administrative Guide I. Online Services II. New Enrollments Who is Eligible for insurance? Processing

More information

City of Moberly. Your Group Life and Accidental Death and Dismemberment Plan

City of Moberly. Your Group Life and Accidental Death and Dismemberment Plan City of Moberly Your Group Life and Accidental Death and Dismemberment Plan Identification No. 420359 011 Underwritten by Unum Life Insurance Company of America 12/4/2015 CERTIFICATE OF COVERAGE Unum

More information

TABLE OF CONTENTS. Introduction... 1. Membership... 1. Defined Benefit Portion of the Hybrid... 2. Retirement Benefits for Public Safety Officer...

TABLE OF CONTENTS. Introduction... 1. Membership... 1. Defined Benefit Portion of the Hybrid... 2. Retirement Benefits for Public Safety Officer... TABLE OF CONTENTS Introduction... 1 Membership... 1 Defined Benefit Portion of the Hybrid... 2 Retirement Benefits... 4 Retirement Benefits for Public Safety Officer... 5 Cost-of-Living Adjustments after

More information

Chicago Public Schools Policy Manual

Chicago Public Schools Policy Manual Chicago Public Schools Policy Manual Title: PAID TIME OFF Section: 302.9 Board Report: 15-0826-PO1 Date Adopted: August 26, 2015 Policy: THE CHIEF EXECUTIVE OFFICER RECOMMENDS: That the Board amend Board

More information

County of Santa Clara Physicians Faculty & Staff

County of Santa Clara Physicians Faculty & Staff LONG TERM DISABILITY INCOME PLAN UNDERWRITTEN BY: LIFE INSURANCE COMPANY OF NORTH AMERICA a CIGNA company CLASS 1 1/2004 County of Santa Clara Physicians Faculty & Staff FOREWORD Long Term Disability

More information

Campbell Long-Term Disability (LTD) Plan

Campbell Long-Term Disability (LTD) Plan Campbell Long-Term Disability (LTD) Plan The Campbell Soup Company Long-Term Disability (LTD) Plan is designed to provide you with income protection if you re unable to work for an extended period of time

More information

Provincial Collective Bargaining Agreement

Provincial Collective Bargaining Agreement Provincial Collective Bargaining Agreement Effective September 1, 2013 to August 31, 2017 Between the Boards of Education and the Government of Saskatchewan and the Teachers of Saskatchewan Index Preamble...

More information

Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D)

Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D) Chico Research Foundation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death and Dismemberment

More information

Workers Compensation. Coverage

Workers Compensation. Coverage All the States have adopted interstate agreements for the payment of benefits to workers who move across State lines. They also have made special wage-combining agreements for workers who earned wages

More information

HCA Short-Term Disability Plan

HCA Short-Term Disability Plan HCA Short-Term Disability Plan As part of the HCA Health and Welfare Benefits Plan, short-term disability insurance coverage through The Prudential Life Insurance Company of America (Prudential or insurance

More information