Botsford Voluntary Benefits Program

Short-Term Disability Insurance

How It Can Help

When you buy Voluntary Short-Term Disability Insurance, your protection includes:

Monthly income benefits of 60% of your pay, up to $5,000 per month, for six months or two years, depending on your employment classification (see below)
No premiums are payable while you are totally disabled

Who Can Be Covered?

You may choose coverage for yourself as an eligible Botsford employee. (Full-time salaried employees are not eligible to enroll in Voluntary Short-Term Disability coverage.)

Special Features

Coverage features include the following:

Benefits are paid directly to you, and you can use the money any way you wish
Benefit start and end dates coordinate with your Botsford disability coverage:
- For Part-Time and Full-Time Hourly, Non-Benefit Eligible Employees
  Benefits begin after 14 days of total disability Maximum benefit period of six months
- For Full-Time Hourly Benefit Eligible Employees
  Benefits begin after 180 days of total disability Maximum benefit period of two year

Enrolling for Coverage

You can enroll for coverage after you have completed 3 months of service as a full-time benefit eligible employee or as a part-time management employee, or 12 months of service as an eligible part-time non-management benefit eligible employee or as a full-time non-benefit eligible employee.

Employees can apply for coverage during the annual voluntary benefits open enrollment period, typically in August of each year. For 2008, the open enrollment period is August 18 - 27, 2008.. New hires that do not elect coverage during this enrollment period will have an opportunity to enroll the following year during the voluntary benefit annual enrollment period.

With respect to the effective date, employees that enroll August 18 - 27, 2008, will have a November 1, 2008 policy effective date.

Voluntary Short-Term Disability Coverage... Filling in the Gaps

This coverage provides monthly income benefits coordinated with the dates of your Botsford core disability coverage.

To learn more, read important coverage details in the official materials from the insurance carrier, Trustmark Insurance Company.

Short-Term Disability benefits are underwritten by Trustmark Insurance Company, Lake Forest, Illinois. Refer to Plan Series DI-902 and other optional riders for your state for exact terms and provisions. Eligibility and insurance requirements apply.

In This Section

Search

Botsford Voluntary Benefits Program

Short-Term Disability Insurance