If you're a Full-Time or Part-Time A Advocate or Advocate Dreyer Associate, you're eligible for coverage under the Disability Income Protection Plan on the first day you're actively at work after you've worked for 6 continuous months as a Full-Time or Part-Time A Associate.
You are automatically enrolled in the plan on the day you become eligible.
There are no forms to complete.
- Advocate Full Time and Part Time A Associates receive a base disability benefit at no cost.
- Advocate Dreyer Full Time, Part Time A, and Part Time B Associates receive a base disability benefit at no cost.
- Advocate BroMenn Full Time and Part Time A Associates must elect the base disability benefit. (You and Advocate share in the cost of the base disability paying 50% of the benefit).
- Advocate and Advocate BroMenn Part-Time B Associates must elect disability benefits and pay 100% of the cost of the benefit.
You wonít receive disability benefits under the plan if you have a condition
that requires medical treatment during the calendar month before you become
eligible for the plan and you become disabled as a result of that condition
during the first five days of coverage under the plan.
Offsets to your disability benefits
If you have other sources of income that are payable to you because of your
disability, these payments will offset or reduce the disability benefit you
receive under the plan. Other sources of income include:
||Social Security disability benefits
||Social Security retirement benefits
||Benefits paid under a mandatory state disability law or any similar
compulsory benefit act or law
||Disability income benefits for which you're eligible under any
other group insurance plan or any governmental retirement system as a result of
your employment with any employer
||Any income you receive from Transitional Work assignments, and
||Any damages you recover (less reasonable legal fees and recovery
costs) due to an act or omission by a third party, but only to the extent that
such damages represent your loss of income.
If youíre paid any recovered damages in a lump sum, the lump sum amount will be
prorated over the length of time it would have been paid if you hadnít received
it as a lump sum (or over 60 months if the alternative payment stream can't be
If it is been determined that your injury or illness is compensable under any
state Workers' Compensation law, coverage will be provided under the Workers'
Compensation law, not through the Disability Income Protection Plan.