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Disability Insurance

Disability Insurance

Short Term and Long Term Disability 

Why should I think about electing Short Term and/or Long Term Disability coverage?

  • If you are out of work due to a medical condition (illness or pregnancy) OR you are injured and have to be out of work for an extended period of time, how would you pay your bills? Disability insurance helps ensure you may receive a portion of your pay to help during these times.  Cone Health offers Short Term Disability for part-time and fulltime employees and Long Term Disability for fulltime employees.  The disability coverage is offered through The Hartford.

When can I enroll for either Short Term or Long Term Disability?

  • Within your first 31 days of becoming eligible as a new hire or experiencing a change in status event (i.e., was in a PRN/Relief position and has changed to a part-time or fulltime position).

What happens if I do not enroll during my initial eligibility period?  What if I chose to add Short Term Disability during the annual Open Enrollment period?

  • If you do not enroll within 31 days after becoming eligible, The Hartford will require you to complete an Evidence of Insurability (answer medical questions).  The Harford will approve or deny your request.  So, it is best to select the coverage you want when you are first eligible. 

Short-Term Disability - offering 2 options for part-time and fulltime employees

Pays up to 60% of your base salary after meeting the elimination period.

  • Option 1: 1st Day Accident/8th Day Illness Plan - $3,000 a week maximum.
  • Option 2: 21st Day Accident or Illness Plan - $3,000 a week maximum. 

Department Directors and above are eligible for Salary Continuance for short term medical leaves of absence. After a 3 day waiting period (using Leader Days Off), salary will continue at 100% for up to 12 weeks while medically unable to work.  Paid for by Cone Health.

Long-Term Disability - Basic and Buy Up Option for fulltime employees only

Long-Term Disability pays a percentage of your salary for a period of time to protect your finances against the long-term financial burden that follows being disabled. If you are in a basic long-term disability plan for staff or physicians and wish to increase to the higher plan, you will not be required to submit an Evidence of Insurability form. However, if you become disabled during the first 12 months of the increased coverage, the buy-up portion would be denied if the disabling condition is deemed preexisting. 

Staff

Basic Long-Term Disability – After a 90-day elimination period, pays 60% of your salary up to $15,000 per month for 2 years if disabled from your own occupation or up to Social Security Normal Retirement Age if disabled from all occupations. Paid for by Cone Heath or the practice.

Major Long-Term Disability – After a 90-day elimination period, pays 70% of your salary up to $15,000 per month for 2 years if disabled from your own occupation or up to Social Security Normal Retirement Age if disabled from all occupations. You pay for the additional 10%; Cone Health or the practice pays for 60% of the coverage.

Leadership (Directors and Above)

Leadership Long-Term Disability – After a 90-day elimination period, pays 60% of your salary up to $15,000 per month if you are disabled from your own occupation up to Social Security Normal Retirement Age. Paid for by Cone Health. 

Physicians

Physician Basic Long-Term Disability – After a 180-day elimination period, pays 60% of your salary up to $10,000 per month if disabled from your own occupation, own specialty. Pays up to Social Security Normal Retirement Age.

Physician Buy-Up Long-Term Disability – After a 90-day elimination period, pays 60% of your salary up to $15,000 per month if disabled from your own occupation, own specialty. Pays up to Social Security Normal Retirement Age.