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2022 Disability

Disability insurance helps to replace part of your income should you be out of work.  Cone Health offers Short Term Disability for part-time and full-time employees and Long Term Disability for full-time employees.  The disability coverage is offered through The Hartford.

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

Pays up to 60% of your base salary after 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.

IMPORTANT:  If newly electing Short Term Disability during Open Enrollment, Hartford will require completion of a medical Evidence of Insurability form.  It will be up to the Hartford to approve or deny the request.  The Evidence of Insurability form will be mailed to employee's home address.  

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

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.