Your Disability Insurance Options

  • The District offers Short-term (STD) and Long-term disability (LTD) insurance through Lincoln Financial Group. Harrison School District Two will pay 50% of the premium for the Long-Term Disability (LTD) insurance. You cannot enroll for these products through the employee service portal, you must complete an enrollment form to elect coverage and the form must be returned to the Benefits Office via hand delivery, fax, or scan and e-mail to Sherie Shupe. You are eligible to participate if you are a full-time (based on .75 to 1.0 FTE) or part-time (based on .5 FTE [or 20 ESP hours per week] to .74 FTE) employee.

     

    Short-term Disability (STD)

    The STD insurance plan is available on a full guarantee issue basis during your initial eligibility period ONLY. The initial eligibility period is 31 days from the date you first become eligible for benefit coverage.

    Outside of your initial eligibility period, you can only apply for or cancel coverage on the disability plan(s) during Open Enrollment. During annual open enrollment employees can elect voluntary short-term disability without having to provide evidence of insurability; however, pre-existing condition limitations still apply.

    STD protects a portion of your earnings for up to 13 weeks of disability if you are unable to perform your regular job duties because of a sickness or injury and you are under a doctor's care.

    Here are some of the details of the Short-term Disability Insurance programs

    • If you elect this option and become disabled, upon approval of your claim, you will receive 60% of base weekly earnings up to $1,000 per week if totally disabled.
    • The plan has a 7 Day Accident / 7 Day Sickness Elimination Period (the later of 7 days or the exhaustion of all earned annual leave). This is the number of continuous days you must be totally disabled before benefit payments start.
    • Maternity, alcoholism, drug addition, mental and nervous conditions are treated the same as any other sickness.
    • The plan has a 12/12 pre-existing condition limit.
    • Contact the District Benefit's Office if you need to file a claim.

    Premium rates will be adjusted any time your salary changes and potentially annually at renewal (July 1). To calculate your approximate premium for the voluntary Short-term disability, take your annual salary divided by 52 (number of weeks in the year). For a $40,000 annual salary it would be $769.231 (if $0.001-$0.004 round down; if $0.005-$0.009 round up). Round down to $769.23. Multiply this number by 0.0168000. This is the total monthly premium.

     

    Long-term Disability (LTD)

    The LTD insurance plan is available on a full guarantee issue basis during your initial eligibility period. The initial eligibility period is 31 days from the date you first become eligible for benefit coverage.

    Outside of your initial eligibility period, you can only apply for or cancel coverage on the disability plan(s) during our designated Open Enrollment period each year. During subsequent annual enrollments, you are allowed to enroll in coverage without Evidence of Insurability, however your coverage will be subject to a pre-existing limitation;

    Short-term Disability and Long-term Disability coverages work in conjunction with one another to provide continuous income replacement in the event of a sudden income loss. Long-term disability insurance provides income replacement at 60% of base monthly earnings up to $7,000 for an extended period of disability. Benefits start after you have been totally disability for 90 days.

    Here are some of the details of the Long-term Disability Insurance programs

    • If you elect this option and become disabled, upon approval of your claim, you will receive 60% of base monthly earnings up to $7,000 per month if totally disabled.
    • The plan has a 90 day Elimination Period (the later of 90 days or the exhaustion of all earned annual leave). This is the number of continuous days you must be totally disabled before benefit payments start.
    • Pre-existing conditions apply. Pre-existing condition means any sickness or injury for which you have received medical treatment, consultation, care or services (including diagnostic measures or the taking of prescribed drugs or medicines) during the 6 months prior to the coverage effective date. A disability arising from any such sickness or injury will be covered only if it begins after you have performed your regular occupation on a full-time basis for 12 months following the coverage effective date.
    • Contact the District Benefit's Office if you need to file a claim.

    Premium rates will be adjusted any time your salary changes and potentially annually at renewal (July 1). To calculate your approximate premium for the voluntary long-term disability, take your annual salary and divide by 12 to get your monthly salary (i.e., annual salary of $40,000 is $3,333.33/month). Multiply this number by 0.002 (if your monthly salary exceeds $11,667, multiply $11,667 by 0.004.) This is the employee monthly premium $8.4871 (if $0.001-$0.004 round down; if $0.005-$0.009 round up). The District will pay the other 1/2 of the premium.  

    IMPORTANT NOTES:

    • The Certificate of Insurance will be available online, you can print a copy for your records. HOWEVER, you must have enrolled for coverage for a claim to be paid.
    • The premium for the Long-term Disability (LTD) is shared 50/50% between you and the District. The portion you pay will be deducted from your paycheck on an after-tax basis. Because the District is contributing 1/2 of the premium, you could be responsible for taxes on 1/2 of the benefit should you file a claim. This information will be included on your W-2. Please consult with a tax advisor for additional information on the impact to you should you receive benefits from this plan.
    • The premiums you pay for Short- and Long-Term Disability are paid for with after-tax dollars. This information will be included on your W-2. Please consult with a tax advisor for additional information on the impact to you should you receive benefits from this plan.
    • Benefits for a Short-Term and/or Long-Term Disability claim under the Harrison School District Two paid plan are considered income and are subject to taxes. (The STD plan is 100% post tax and paid for by the employee so it is a tax-free benefit. LFG will provide a W-2 for any benefits received.)
    • Payments are integrated with PERA, workers' compensation and any other sources of income on both Short-Term and Long-Term Disability.

     

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