Most Frequently Asked Questions The Hartford Short Term Disability STD Long Term Disability LTD Acci - PowerPoint PPT Presentation

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Most Frequently Asked Questions The Hartford Short Term Disability STD Long Term Disability LTD Acci

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The Hartford ... Does AD&D pay in addition to the life insurance? Yes, for self or dependent. How do I file a Life Insurance claim? ... – PowerPoint PPT presentation

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Title: Most Frequently Asked Questions The Hartford Short Term Disability STD Long Term Disability LTD Acci


1
Most Frequently Asked Questions The
Hartford Short Term Disability (STD) Long
Term Disability (LTD) Accidental Death
Dismemberment (ADD)The Standard Life
Insurance
  • 2009 In-Service

2
The Hartford
  • STD
  • How is a Claim Calculated?
  • Benefit payments represent 60 of base annualized
    earnings excluding bonuses, supplements and
    overtime.
  • Maximum benefit payable is 1,500 per week.
  • Payments begin following a 14-day elimination
    period for either accident or illness.
  • Benefit payments may be received for (up to) 180
    days, INCLUDING THE ELIMINATION PERIOD.

3
The Hartford
Example John Smith A 9-month employee with
annualized earnings of 36,000 Annualized
earnings of 36,000 -- 52 weeks 692.31
60 STD benefit 415.39
4
BPS
The Hartford
Leave Form
  • How does STD differ from a Leave?
  • Leave - out more than 5 working days
  • STD out more than 14 calendar days

5
The Hartford
  • STD and LTD
  • Is the Claim Payable if I have Other Income?
  • Benefit for an employee on Workmans
    Compensation.
  • STD Benefits are not offset by Supplemental
    benefits.
  • STD Benefits are not offset by Auto or Personal
    Injury coverage.
  • AND yes, you may receive sick leave, sick bank or
    vacation time and benefits are not offset.
  • LTD is offset and any other income including
    Social Security and Pension/Investment payments.

6
Evidence of Insurability (EOI)
  • Why cant I get STD and/or LTD or increase my
    Life Insurance more than 1 time during Open
    Enrollment?
  • Why do I have to go through the EOI process?
  • If STD, LTD or Dependent Life are canceled during
    a leave by request or non-payment during a leave
    or Open Enrollment.
  • 3. If my disability claim is denied, why cant
    the District get it paid?
  • STD, LTD and Life Benefits are fully insured.
  • Claim Appeals

7
ADD / Life Insurance
  • Does ADD pay in addition to the life insurance?
  • Yes, for self or dependent
  • How do I file a Life Insurance claim?
  • All life claims come through the Compensation and
    Benefits Office.
  • What is Waiver of Premium?
  • Life and the Disability coverage have a waiver of
    premium built into the policies.
  • What is an Accelerated benefit?
  • A Life insurance benefit.
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