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Committed to Safety: As we resume services, we are taking all necessary precautions to keep you safe while we care for you. Limited visitation is now in place. Review all our visitor policies and precautions. Get more information on COVID-19.

Disability Insurance

If you became ill or injured for an extended period of time and were unable to work, how would you pay your bills? Disability insurance helps! All disability plans currently in force with The Hartford will continue with the current rates. Remember that disability coverage and deductions increase or decrease as your hourly rate and/or FTE increases or decreases.

Short-Term Disability

Short-Term Disability pays 60% of your salary after the elimination period.

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

If you add short-term disability coverage during annual enrollment, you will be required to submit an Evidence of Insurability (medical questionnaire) and your coverage will be approved or denied. The Hartford will send you the Evidence of Insurability form to complete and return to them. They will notify you of their decision in writing at your home address. You can increase from the 21-day plan to the 8-day plan without an Evidence of Insurability.

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.

New Hires and Newly Benefits-Eligible Employees: Consider adding short-term disability during your initial eligibility period, especially if you are interested in having children.  Now is the time to enroll since Hartford will deny you once you are pregnant since it will be considered a pre-existing condition.  

Long-Term Disability

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 for 2021, 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. Rates for Long Term Disability are unchanged for 2021.

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.

Enroll Now

Access the myBenefits Portal

For personal help by phone, please call the Benefits Call Center at (336) 832-8777 from 8:30 a.m. to 5 p.m. Monday through Friday.

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