Advocate Health Care
Benefits
Disability

 

   expand  |  collapse

   

Short Term Disability Plan
When coverage starts
If you’re not able to perform your job because of a certified non-work related illness or injury, you may be eligible to receive short term disability benefits or participate in the restricted duty program. Your short term disability benefits may begin after the earlier of the following occur:

You are absent from work for more than 10 consecutively scheduled work days, or
You are absent from work for more than 14 consecutive calendar days.

If you work less than half of your scheduled hours and go home sick, that day still counts toward your first 10 days of absence. You may use paid time off (PTO) to replace your income until the short term disability benefits or restricted duty begins. PTO also may be used to supplement your disability income, but your total income during a disability period may not exceed 100% of your base pay.

What the short term disability plan pays
The plan pays 75% of your base pay (at the time you become disabled) for the first five months of a certified illness or injury. Base pay doesn’t include overtime, shift differential, or any other premium pay.

Offsets to your disability plan benefit
You may have other sources of income (such as Social Security disability benefits or Social Security retirement benefits or income you receive from restricted duty) that will reduce the amount you may receive from the plan.

Claiming your benefits––what you need to know

If you are absent from work as a result of an injury or illness for more than five consecutively scheduled days, you must let your supervisor know and contact the Disability Council no later than the sixth day of absence to certify your time away from work. If you don’t report your absences to your supervisor and to the Disability Council, it may result in disciplinary action.
When your absence from work exceeds 10 consecutively scheduled work days or 14 calendar days, it must be certified by the Disability Council for benefits to be paid. It’s your responsibility to call the Disability Council.
No retrospective benefits will be paid.