Disability Insurance - Short and Long Term

Disability Insurance Coverage

BetterHealth provides short-term and long-term disability insurance to protect your income if you're unable to work due to illness or injury.

Short-Term Disability (STD)

• Benefit: 60% of weekly salary
• Waiting period: 7 days for illness, 0 days for injury
• Duration: Up to 26 weeks
• Cost: Company-paid

Long-Term Disability (LTD)

• Benefit: 60% of monthly salary (up to $10,000/month)
• Waiting period: 180 days (after STD ends)
• Duration: Until age 65 or recovery
• Cost: Company-paid

When to File a Claim

File if you're unable to work for more than 7 days due to:

• Illness or medical condition
• Injury (work or non-work related)
• Surgery and recovery
• Pregnancy complications
• Mental health conditions

How to File

1. Notify your manager and HR immediately
2. Contact insurance carrier: 1-800-555-DISABILITY
3. Complete claim forms (online or paper)
4. Provide medical documentation from doctor
5. Claims processed within 2 weeks

While on Disability

• Benefits paid biweekly via direct deposit
• Health insurance continues (you pay employee portion)
• Cannot work while receiving benefits
• Must provide ongoing medical updates

Returning to Work

• Provide doctor's release
• Gradual return-to-work available
• Coordinate with HR and manager
• Disability benefits stop when you return

Contact: [e-mail] | [phone] ext. 3000