|New Disability Benefits from Metlife|
Did you know that Freelancers are more prone to accidents on the job? That's why PHBP’s freelance benefit will include an income protection plan by way of short-term and long-term disability insurance, at no cost to the employee, effective July 1, 2016.
Short-Term Disability (STD)
STD is administered by Metlife. STD provides the following benefits:
- 60% of your average weekly pre-disability earnings after an elimination period of 7 days.
- Disability coverage for up to 52 weeks for California employees, and for up to 26 weeks for non-California employees, if you are determined to be fully disabled, or partially disabled (maximum monthly benefit of $3,000).
- Enrollment is automatic and PHBP pays the full cost of STD coverage.
- Coverage is effective once you've met PHBP's eligibility requirements.
- In addition to income protection, your STD benefits include a Work Incentive Program, Rehabilitation Program Incentive, Family Care Incentive, and Moving Expense Incentive.
Long-Term Disability (LTD)
LTD is administered by Metlife. LTD provides the following benefits:
- 60% of your average monthly pre-disability earnings after 360 days on Short-Term disability for California employees, or after 180 days for non-California employees (or until end of STD Maximum Benefit Period).
- Length of coverage is based upon the age and nature of disability. Maximum monthly benefit is $12,500.
- Enrollment is automatic and PHBP pays the full cost of LTD coverage.
- In addition to income protection, your LTD benefits include an Employee Assistance Program (EAP), Return-to-Work Incentives, Rehabilitation Incentive, Family Care Benefit, Work Benefit, and Moving Expense Benefit.
How to use your Disability Insurance
Once an event occurs that may trigger disability coverage, a claim form will need to be completed and sent to Metlife. More detailed directions on how to file a claim will be posted to PHBP's website at PHBP.org shortly.
The documents attached summarize additional information that you may want to be aware of when claiming disability: