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Short-Term Disability Coverage
Explanation

Short-term Disability Benefit Plan (STD):

  • The STD plan is designed to provide weekly income benefits shortly after the first day of disability.

  • The claimant becomes eligible for the STD benefits after an Elimination Period (E.P) ...

  • The Union decides what elimination period they would like to have in their group STD plan.  For example, 1 calendar day E.P., 7 calendar days E.P., or 14 calendar days E.P.

  • The short-term disability benefits are also designed to be paid for a specific period of time called a Maximun Benefit Period ...

  • The union decides on the maximum benefit for the STD benefits to be paid.  For example, could be 26 weeks or 52 weeks.

What is the Elimination Period? (Example Only)
The period for which a benefit is payable will commence following any accumulated sick leave or salary continuation period and the Elimination Period shown in the example shown below:

7 calendar days for Injury
7 calendar days for Sickness

Note:  Benefits begin on the first day following completion of the Elimination Period.
- Benefits are not paid for days considered "Elimination Period" (in this example, the first 7 days of disability)
- Benefits are not paid retroactive to the 1st day of disability.

What is the Maximum Benefit Period? (Example Only)

Applicable to Injury:
The period for which a benefit is payable, following completion of the Elimination Period, for any one disability will end on the earliest of:

a.  the end of the disability; or
b.  the end of the __th week of disability for which a benefit is payable. (determined by union)

Applicable to Sickness:
The period for which a benefit is payable, following completion of the Elimination Period, for any one disability will end on the earliest of:

a.  the end of the disability; or
b.  the end of the __th week of disability for which a benefit is payable. (determined by union)

   

 

Copyright 2013

Allison-Brock, Inc.
P.O. 8727
Roanoke, VA 24014
1-877-347-7687 Toll-Free

 

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