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Standard Life Disability Plan Details
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. All
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
Maternity: 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 Polk County Government, they may continue the short term disability coverage 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.
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Benefit Duration: 90 Days |
Benefit Duration: 180 Days | Benefit Duration: 365 Days | |||||
| Monthly Benefit | Semi-Monthly Premium | Monthly Benefit | Semi-Monthly Premium | Monthly Benefit | Semi-Monthly Premium | ||
| $500 | $5.63 | $500 | $8.75 | $500 | $11.25 | ||
| $600 | $6.75 | $600 | $10.50 | $600 | $13.50 | ||
| $700 | $7.88 | $700 | $12.25 | $700 | $15.75 | ||
| $800 | $9.00 | $800 | $14.00 | $800 | $18.00 | ||
| $900 | $10.13 | $900 | $15.75 | $900 | $20.25 | ||
| $1,000 | $11.25 | $1,000 | $17.50 | $1,000 | $22.50 | ||
| $1,100 | $12.38 | $1,100 | $19.25 | $1,100 | $24.75 | ||
| $1,200 | $13.50 | $1,200 | $21.00 | $1,200 | $27.00 | ||
| $1,300 | $14.63 | $1,300 | $22.75 | $1,300 | $29.25 | ||
| $1,400 | $15.75 | $1,400 | $24.50 | $1,400 | $31.50 | ||
| $1,500 | $16.88 | $1,500 | $26.25 | $1,500 | $33.75 | ||
| $1,600 | $18.00 | $1,600 | $28.00 | $1,600 | $36.00 | ||
| $1,700 | $19.13 | $1,700 | $29.75 | $1,700 | $38.25 | ||
| $1,800 | $20.25 | $1,800 | $31.50 | $1,800 | $40.50 | ||
| $1,900 | $21.38 | $1,900 | $33.25 | $1,900 | $42.75 | ||
| $2,000 | $22.50 | $2,000 | $35.00 | $2,000 | $45.00 | ||
