Plan Highlights
• Selection of:
  • monthly benefit amount
  • benefit period
• Benefits paid regardless of any other insurance

Standard Life & Casualty’s Short-Term Disability plan benefits provide a source of income while you concentrate on getting better.

Accident & Sickness protection
On or off the job, 24 hour a day coverage. Income is provided when you are disabled due to a sickness or as a result of an accident. Benefits begin on the first day if you are disabled due to an accident. Benefits begin on the eighth day if you are disabled due to sickness.

You can choose to insure up to 70% of your gross monthly income, up to a maximum of $2,000.00 per month. Income will be provided for the benefit period you choose up to 365 days.

Eligibility
These benefit plans are optional and all full-time employees under 65 years of age may apply. The disability benefit is for employees only. Applications for new participants will be underwritten.

Pre-existing Conditions
If you received medical advice for treatment of a health condition within twelve months prior to the effective date of insurance, there will be no coverage for that condition until twelve consecutive months beyond the effective date.

Disability Due to Pregnancy
Benefits are covered provided conception occurs after the effective date of the policy.

Portability
When an employee leaves the employment of Johnson City Schools, they may continue the short-term disability coverage, subject to the renewability provision, provided they maintain continuous employment.

Limits and Exclusions
Benefits will not be paid for any total disability which:

1) Occurs while the policy is not in force;
2) Does not require the regular care of a physician;
3) Is due to the use of intoxicants or narcotics, except on the advice of a physician;
4) Is on account of intentional self-inflicted injury;
5) Is a result of mental or nervous disorders;
6) Results from armed conflicts;
7) Arises out of aviation, except scheduled passengers on commercial airlines;
8) Results from traveling more than forty miles outside the US;
9) Results from the participation in a felony or working at an illegal job.
10) Results from a pre-existing condition, as defined in the policy.

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