2017 Benefit Guide Hand Family

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Voluntary Short Term Disability
VOLUNTARY SHORT-TERM DISABILITY INSURANCE
Short-Term Disability (STD) coverage can protect your income in case
of a short-term injury or illness. This coverage is provided by Guardian.
Employees are responsible for the premium for this benefit.
Your STD benefit cannot exceed 60% of your basic weekly earnings not
to exceed a maximum of $1,000 per week. STD benefits start on the
fourteenth day of an injury or sickness and may continue for up to 11
weeks.
If you have been treated by a physician or taken medication for a
condition in the last 3 months, the plan will not provide coverage for
that condition for the first 12 months you are covered. (New Enrollees
Only)
Customer Service: (888)600-1600
Websites:
Group Number: 0478539
Sample Premium Cost for Short-Term Disability
Annual Earnings Weekly Pay STD Benefit Rate/$10 Monthly Weekly Bi-Weekly
$20,000 $384.62 $230.77 $0.39 $9.00 $2.08 $4.15
$25,000 $480.77 $288.46 $0.39 $11.25 $2.60 $5.19
$30,000 $576.92 $346.15 $0.39 $13.50 $3.12 $6.23
$35,000 $673.08 $403.85 $0.39 $15.75 $3.63 $7.27
$40,000 $769.23 $461.54 $0.39 $18.00 $4.15 $8.31
$45,000 $865.38 $519.23 $0.39 $20.25 $4.67 $9.35
$50,000 $961.54 $576.92 $0.39 $22.50 $5.19 $10.38
$55,000 $1,057.69 $634.62 $0.39 $24.75 $5.71 $11.42
X 0.60 = ÷ $10 = X $0.39 =
Weekly
Pay
60%
Benefit
Weekly
Benefit Rate Per Number
of Units Rate Monthly Rate