DISABILITY INSURANCE

Disability insurance helps replace a major portion of your income when you are sick or injured and unable to work. Some people think of it as “paycheck protection.” Others view it as a way to protect their home since a mortgage payment is often a family’s most significant monthly expense.

Having disability insurance can provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.

If you think about it, everything you have today - your home, car, groceries, savingsbasically your lifestyle, depends on your ability to earn an income. Most people are quick to insure their possessions, such as their home and car. And they generally have life insurance that would provide for their family. But the one thing that makes all this possible is – your income. It’s your most important asset. So, protecting it with disability insurance isn’t just a good decision – it’s essential.

Camden County provides you with the opportunity to purchase Short Term Disability insurance through payroll deduction through The Hartford. This covers you for any sickness or injury that is off of the job. Below is a summary of the benefits. Please refer to your certificate of coverage for full details.

Short Term Disability

You may elect a flat weekly benefit amount from $100 to $2,000 in increments of $50. The elected incremental benefit amount cannot exceed 60% of your weekly earnings. Because there are no offsets with The Hartford, the benefit amount you elect will not be reduced for any reason if you go out on claim. Benefits begin on the 8th day of injury or illness and continues to the earlier of recovery or 26 weeks.

Long Term Disability

Camden County offers Long Term Disability insurance coverage through The Hartford to all full-time employees at no cost to you. It Covers 60% of your monthly pre-disability earnings, up to a $8,000 monthly maximum. Benefits begin after 90 days of disability or illness and continues to the earlier of recovery or your Social Security Normal Retirement Age (2-year own occupation is included).

PRE-EXISTING CONDITIONS

The Voluntary Short-Term Disability includes an annual open enrollment with Guaranteed Issue Coverage. No Medical questions are required at the time of enrollment. A Pre-existing condition limitation may apply.

A pre-existing condition is an illness, injury or pregnancy-related condition for which, during the 6 months before your coverage became effective:

You were diagnosed or treated; or

You received diagnostic or treatment services; or

You took drugs which were prescribed or recommended by a physician.

This plan limits the maximum benefit to 4 weeks for a disability that is caused, or contributed to, by a pre-existing condition, until the employee has been covered for 6 consecutive months with no medical care for the condition, or until the employee has been covered for 12 consecutive months.

The same limitations apply to Long Term Disability with a 3-month look-back and 3 month treatment-free period.