PHBP Free/We've Got You Covered Newsletter - June 30, 2016  (Plain Text Version)

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In this issue:
•  New Disability Benefits from Metlife
•  PHBP is going GREEN with Paperless Communications!
•  Eco-Friendly S'well Water Bottles Are Coming Your Way
Essential PHBP Plan and Health Communications
•  Your 2016 Summary Plan Description
Essential PHBP Employer Communications
•  Special Rules in Your Participation Agreement about Loan-Out Companies
•  Are you classifying your workers as Employees or Independent Contractors correctly?


New Disability Benefits from Metlife

Free Disability Benefits through Metlife. While you mend, we've got you covered! 


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 shortly.

The documents attached summarize additional information that you may want to be aware of when claiming disability: