• Payable in addition to sick leave
• Benefits payable regardless of other insurance
• Weekends and holidays are covered
• Benefits are paid directly to you
• Benefits are tax free
• Maternity is covered as any other sickness
• No change in premium due to age
• You may continue coverage if you leave your
Employer, provided you maintain continuous employment.
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.
Policy
Features
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 month beyond the effective date
Pregnancy: Benefits are covered provided
conception occurs after the effective date of the
policy, not the date the application was signed.
Portability: When an employee leaves the
employment of Johnson County Schools, they may continue the
short term disability coverage, subject to the renewability
provision, as long as continuous employment is maintained.
This coverage expires on the policy
anniversary date following your 65th birthday.
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.
