Short Term Disability

 

STD Benefits

 

PEF Membership Benefits STD plan helps replace your weekly earnings if you're disabled and can't work. Disability benefits are payable:

 

  •  1st day for accidental bodily injury

  •  8th day for sickness when the date of disability occurs later than 12 months after this short term disability plan goes into effect.

Disability due to sickness when the date of disability occurs within the 12 month period immediately following the effective date of this Short Term Disability plan will not be covered. 

 

Benefits continue for up to 26 or 52 weeks depending upon the plan you select.

The plan provides weekly benefits of $50, $100, $150, $200 or $300.

 

Definition of Disability

 

Disability is defined as the inability to engage in the essential duties of your occupation due to accidental bodily injury, sickness, mental illness, substance abuse or pregnancy.

 

Important Advantages

 

Your PEF Membership Benefits STD plan includes the following additional features.

  • Premiums are paid through the convenience of payroll deduction.
  • Benefits are paid if you are absent from work while insured, as a result of either job related or non-job related injury or illness. You must be under the care of a legally qualified physician.
  • Your STD benefit will not be reduced by other income even though you may be entitled to sick leave pay, or have other insurance coverage.
  • Benefit payments are not subject to federal income tax.

PEF Members Only

 

Regular Members of the Public Employees Federation (PEF) actively working in a PEF represented position may be eligible under this group disability Insurance Plan. (Certain restrictions will apply to part-time hourly members).

 

Effective Dates

 

Your application for Disability Insurance coverage will automatically be approved if you enroll within 120 days of the date you are first eligible to become a member of PEF. If you do not enroll within the 120-day period, you will have to complete a Personal Health Statement that must be approved by Hartford Life before coverage can begin.

 

Coverage will begin on either the date your request card is received by PEF Membership Benefits Program or the date your Personal Health Statement is approved by Hartford Life, provided that you are not absent from work due to a disability on that date. If you are absent from work due to a disability, your insurance will become effective on the date you actually return to work on a full time basis.

 

Plan Options

 

Choose the STD benefit option that best fits your needs. Listed rates are a flat bi-weekly amount.

 

                                 26 Week Duration Plan:

 

 

Schedule of Weekly            Under Age 40               Over Age 40

Disability Payments            Bi-Weekly Cost            Bi-weekly Cost

            $50                             $ 2.57                          $ 3.49

            $100                              5.13                             6.98

            $150                              7.71                           10.46

            $200                            10.27                           13.96

            $300                            15.41                           20.92

 

                                52 Week Duration Plan:

 

Schedule of Weekly            Under Age 40               Over Age 40

Disability Payments            Bi-Weekly Cost            Bi-weekly Cost

            $50                             $ 3.02                        $ 4.10

            $100                              6.04                           8.21

            $150                              9.07                         12.30

            $200                            12.08                         16.42

            $300                            18.13                         24.61

 

 

How to Enroll

 

You apply by completing, signing and returning the Disability Insurance Request Card to the PEF Membership Benefits Program. This card will authorize PEF Membership Benefits Program to make payroll deductions to cover the cost of your insurance. If you have been in the PS&T Unit for longer than 120 days you will also have to complete a Personal Health Statement.

 

Exclusions

 

 

Benefits are not payable for for sickness when the date of disability occurs within the 12 month period immediately following the effective date of this Short Term Disability plan.

 

Benefits are not payable for disabilities resulting from commission or attempt to commit a felony, or to which a contributing cause was your being engaged in an illegal occupation; war or act of war (declared or not); or military service for any country engaged in war or other armed conflict.

 

For More Information

 

Contact PEF Membership Benefits at 800 342-4306 ext. 243

 

This plan has been made available through the Trustees of the Public Employees Federation Membership Benefits Program.

 

PEF Membership Benefits Program

1168-70 Troy Schenectady Road  

PO Box 12414

Albany, NY 12212-2414

(800) 342-4306 or (518) 785-1900 ext. 243

 

This brochure explains the general purposes of the insurance described, but in no way changes or affects the policy as actually issued. In the event of any discrepancy between this brochure and the policy, the terms of the policy apply. Complete details are in the certificate of insurance issued to each insured individual.

 

Underwritten by:

Hartford Life Insurance Company

Hartford Plaza

Hartford, CT 06115

 

Hartford Life