SHORT-TERM DISABILITY INSURANCE

Transcription

1 SHORT-TERM DISABILITY INSURANCE (800) or (518) , ext. 243

2 THINK AHEAD. SHORT-TERM DISABILITY INSURANCE IF YOU CAN T BREAK A FALL, SOFTEN THE IMPACT. GIVE THEM MORE THAN A PROMISE. GIVE YOUR LOVED ONES A SAFER LANDING. Good intentions can't prevent a disability. That's why PEF MBP sponsors Short-term Disability Insurance through The Hartford.1 Help protect your family against financial losses. Take action and enroll. Because promises alone aren t enough. 1 The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies in Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. *Those already enrolled in Short-term Disability may choose to opt up to 26 weeks at $ without evidence of insurability. Those not enrolled may opt to enroll in the 26 weeks plan with up to $ of coverage without evidence of insurability.

3 SHORT-TERM DISABILITY INSURANCE CONTENTS STD Benefits...2 Definition of Disability...2 Important Advantages...2 Plan Options...3 General Information...3 PEF Members Only...3 Effective Dates...3 How to Enroll...4 Exclusions...4 For More Information...4 The PEF Membership Benefits Trustees: Joe Fox, Chair Kenneth D. Brynien Patricia Baker Arlea Igoe Tom Comanzo The PEF Membership Benefits Administrator: Graham Goffin 1

4 SHORT-TERM DISABILITY INSURANCE Your ability to earn a paycheck is your most valuable asset. Help protect it with short-term disability insurance - benefits that work for you when you can t, due to illness or injury. It s an affordable way to keep a steady income coming. Studies show that a 20-year-old worker has a 3 in 10 chance of becoming disabled before reaching retirement age. Source: Social Security Administration, Fact Sheet 2007, Disability Benefits, SSA Publication No , June In the last 10 minutes, 498 Americans became disabled. Source: National Safety Council, Injury Facts 2008 Ed. STD BENEFITS PEF Membership Benefits sponsored Short-term Disability 1 plan helps replace your weekly earnings if you're disabled* and can't work. Disability benefits are payable: 1st day for accidental bodily injury 8th day for sickness when the date of disability occurs later than 12 months after this short-term disability plan goes into effect. Disability due to sickness when the date of disability occurs within the 12 month period immediately following the effective date of this Short-term Disability plan will not be covered. Benefits can continue for up to 26 weeks. The plan provides weekly benefits of $100, $200, $300, $400, or $500 depending on the option you select. IMPORTANT ADVANTAGES Your PEF Membership Benefits sponsored Short-term Disability plan includes the following additional features. Premiums are paid through the convenience of payroll deduction. Benefits are paid if you are absent from work while insured, as a result of either job related or non-job related injury or illness. You must be under the care of a legally qualified physician. Your STD benefit will not be reduced by other income even though you may be entitled to sick leave pay, or have other insurance coverage. Benefit payments are not subject to federal income tax. *Total Disability is defined as the inability to engage in the essential duties of your occupation due to accidental bodily injury, sickness, mental illness, substance abuse or pregnancy. 2

5 PLAN OPTIONS Choose the STD benefit level option that best fits your needs. Listed rates are a flat bi-weekly amount. Schedule of Weekly Disability Payments 26 WEEK DURATION PLAN Under Age 40 Bi-Weekly Cost Over Age 40 Bi-Weekly Cost $100 $5.13 $6.98 $200 $10.27 $13.96 $300 $15.41 $20.92 $400 $20.27 $27.52 $500 $25.34 $34.40 Rates and/or benefits may be changed on a class basis. Rates are based on the attained age of the Insured Person and increase as you enter each new age category. GENERAL INFORMATION PEF MEMBERS ONLY Regular dues paying Members of the Public Employees Federation (PEF) actively at work in a PEF represented position may be eligible under this group disability insurance plan. (Certain restrictions will apply to part-time hourly members.) EFFECTIVE DATES Your application for Disability Insurance coverage will automatically be approved if you enroll within 120 days of the date you are first eligible to become a member of PEF up to the $ level. If you do not enroll within the 120-day period, or elect the $400 or $500 levels you will have to complete a Personal Health Statement that must be approved by Hartford Life before coverage can begin. Coverage will begin on either the date your request card is received by PEF Membership Benefits Program or the date your Personal Health Statement is approved by Hartford Life, provided that you are not absent from work due to a disability on that date. If you are absent from work due to a disability, your insurance will become effective on the date you actually return to work on a full time basis. 3

6 HOW TO ENROLL You apply by completing, signing and returning the Disability Insurance Request Card to the PEF Membership Benefits Program. This card will authorize PEF Membership Benefits Program to make payroll deductions to cover the cost of your insurance. If you have been in the PS&T Unit for longer than 120 days you will also have to complete a Personal Health Statement. EXCLUSIONS Benefits are not payable for for sickness when the date of disability occurs within the 12 month period immediately following the effective date of this Short-term Disability plan. Benefits are not payable for disabilities resulting from commission or attempt to commit a felony, or to which a contributing cause was your being engaged in an illegal occupation; war or act of war (declared or not); or military service for any country engaged in war or other armed conflict. FOR MORE INFORMATION Contact PEF Membership Benefits at , ext. 243 This plan has been made available through the Trustees of the Public Employees Federation Membership Benefits Program. PEF Membership Benefits Program Troy Schenectady Road PO Box Albany, NY (800) or (518) ext. 243 This brochure explains the general purposes of the insurance described, but in no way changes or affects the policy as actually issued. In the event of any discrepancy between this brochure and the policy, the terms of the policy apply. Complete details are in the certificate of insurance issued to each insured individual NS (6-09) 1 Short-Term Disability coverage provided by The Hartford. The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Policies sold in New York are underwritten by Hartford Life Insurance Company. Home Office of both companies is Simsbury, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. This brochure/presentation explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy as issued to the policyholder. Benefits are subject to state availability. TERMINATION Your insurance will terminate on the earliest of: 1. the date the Group Insurance Policy terminates; 2. the date the Group Insurance Policy no longer insures your class; 3. the date the premium payment is due but not paid by the PEF Membership Benefits; 4. the date on which you cease to be in an eligible class, including: a. temporary layoff; b. leave of absence; including but not limited to leave for military service; or c. work stoppage (including a strike or lockout); or d. the date your PEF Membership ceases; 5. The date you retire. Complete information on Termination of Coverage can be found in the Certificate of Coverage. Policy Form # BC

7 To enroll in the Short-term Disability Plan, complete this application card and return it to: PEF Membership Benefits Program Troy-Schenectady Road PO Box Albany, NY Coverage is not effective until this card is received in the PEF Membership Benefits office and all eligibility requirements are met.

8 This plan has been made available through the Trustees of the Public Employees Federation Membership Benefits Program. PEF Membership Benefits Program Troy-Schenectady Road PO Box Albany, NY (800) , ext. 243 (518) , ext. 243 Fax (518) Web site: address: