Short Term Disability
Brooks provides all full-time employees with a Short Term Disability policy at no cost to you as well as the option to buy-up for additional disability coverage.
Both plans begin paying on the 15th day of a qualified disability and pay for a maximum of 11 weeks.
Short-Term Disability (STD) Plans
As a new hire, you can elect the STD buy-up plan without answering any medical questions.
If you waive this benefit at your initial enrollment opportunity, you will be required to complete a medical questionnaire.
STD Base Option | |
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Benefit | If approved after 2 week waiting period, you will receive:
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Premiums Per Pay Period (24) | Employer Paid |
STD Buy-Up Option | |
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Benefit | You can elect to "buy-up" your STD to receive higher weekly payments:
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Premiums Per Pay Period (24) | An additional $0.175 monthly per $10 weekly benefit over the initial 60% will be added to the cost of the base plan. Example: Susie makes $700 per week. The weekly disability benefit would be 66.67% of that, or $467. $467/$10 x $0.175 = $8.17 per month or $4.08 per pay period. |
Maternity leave for full-time employees would be covered under the elected STD benefit and would pay at least four weeks for a vaginal delivery and six weeks for a C-section delivery.
Once you have been employed with Brooks for over a year, you may qualify for FMLA, however, that is an unpaid leave, so short term disability would be your income protection during that leave.
Long Term Disability
You have two Long Term Disability plans to choose from.
Both plans begin paying after 90 days of disability and pay until Social Security Normal Retirement Age.
As a new hire, you can elect the Core or Enhanced LTD plan without answering any medical questions.
If you waive this benefit at your initial enrollment opportunity, you will be required to complete a medical questionnaire.
Long-Term Disability (LTD) Plans
LTD Base Option | |
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Benefit Percentage | 50% |
Maximum Monthly Benefit | $5,000 |
Premiums Per Pay Period (24) | $0.429 monthly per $100 of monthly income Example: Bob makes $50,000/year or $4,167/month. $4,167/$100 x $0.429 = $17.88/month or $8.94/pay period |
LTD Buy-Up Option | |
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Benefit Percentage | 60% |
Maximum Monthly Benefit | $12,500 |
Premiums Per Pay Period (24) | $0.822 monthly per $100 of monthly income Example: Bob makes $50,000/year or $4,167/month. $4,167/$100 x $0.822 = $34.25/month or $17.13/pay period |
LTD is subject to a pre-existing condition clause: If you have received treatment for any condition 3 months prior to the effective date, you will need to be treatment-free for 12 months from your effective date before benefits will be paid for that condition.
Downloadable Resources
FAQs About Your Disability Plans
What Is Short-term Disability Insurance (STD)?
STD is a type of disability insurance coverage that can…
Learn the answerWhy Is Disability Insurance Important?
The risk of disability is greater than most employees realize….
Learn the answerWhat Is Long-term Disability Insurance (LTD)?
LTD is a type of disability insurance coverage that pays…
Learn the answer