All 0.5 – 1.0 FTE employees are eligible for Short-term Disability (STD). STD provides you 66.67% of your income while you are out on an approved STD benefit. There is an 8-day waiting period and, if applicable, would begin after your Extended Leave Bank (ELB) are exhausted. Washington County pays 100% of the cost for this benefit.
Only 1.0 FTE employees are eligible for Long Term Disability (LTD) benefits. You are automatically enrolled in the Long-term Disability (LTD) plan the first of the month following completion of 30 days. LTD provides you with income at 66.67% of your salary, capped at a maximum benefit of $833 per month (Core Plan), with incremental monthly payments if you are totally and permanently disabled. You can continue receiving LTD benefits until age 65, or until your doctor no longer certifies you as totally and permanently disabled. Washington County pays 100% of the cost for this benefit.
1.0 FTE Employees have the option to purchase the additional benefit that would cover 66.67% of your salary, capped at a maximum benefit of $6,112 per month. For example, an employee earning $30,000 per year could purchase the Buy-Up LTD to increase the monthly benefit to $1,667 (which is equal to 66.67% of a $2500 monthly salary). To calculate the cost:
Annual Income / 12 = $______(Monthly income not to exceed $9,167) x .231 ÷ 100 = Your monthly Premium.
The Hartford provides you and your family members with many additional benefits as part of the Long-Term Disability coverage. Click on the links below to learn more about each benefit.
Ability Assist® Counseling Services
Employees can receive professional counseling for financial, legal and emotional issues, 24/7/365. Includes unlimited phone access and three face-to-face sessions per year. Services are also available to spouses and dependent children.
Call: 800-964-3577
Visit: www.guidanceresource.com (code HLF902)
Beneficiary Assist® Counseling Services
Helps employees and their beneficiaries cope with emotional, financial, and legal issues that arise after a loss. Includes unlimited 27/7 phone access for legal and financial advice or emotional counseling with up to five face-to-face sessions or equivalent professional time for one service or a combination of services, for up to a year from the date a claim is filed.
Call: 800-411-7239
Estate Guidance® Will Services
Helps protect employees and their families’ futures by creating a will online – backed by online support from licensed attorneys.
Visit: www.estateguidance.com (code WILLHLF)
Funeral Concierge Services
Offers a suite of online tools and live support to help guide employees through key decisions. Includes pre-planning, documentation of wishes, cost comparisons of funeral-related expenses, and family advocacy and professional negotiation.
Call: 866-854-5429
Visit: www.everestfuneral.com/hartford (code HFEVLC)
Identity Theft Support Services
Provides 24/7/365 assistance that includes education on how to prevent theft and help on the steps to take once a theft has occurred. To determine if theft has occurred, caseworkers will assist with reviewing credit information. If theft has occurred, caseworkers will assist with notifying the major credit bureaus, assist with completing an identity theft affidavit, help with replacing credit/debit cards and more.
Travel Assistance Services
Provides 24/7 emergency medical assistance*, pre-trip information, and emergency personal services for employees traveling more than 100 miles from home for 90 days or less.
Call: 800-243-6108 (U.S. & Canada) or 202-828-5885 (Outside U.S.)
Email: [email protected]
