Disability Plans

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
Benefit	If approved after 2 week waiting period, you will receive: 50% of your weekly base earnings To a maximum weekly payment of $500
Premiums Per Pay Period (24)	Employer Paid

STD Buy-Up Option
Benefit	You can elect to "buy-up" your STD to receive higher weekly payments: 66.67% of your weekly base earnings To a maximum weekly payment of $1,500
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
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
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.