Income Protection

HCSS provides short-term and long-term disability coverage at no cost to eligible employees.

Feature	Detail
Carrier	New York Life
Paid By	Employer
Income Replacement Percent	60% of weekly pay
Maximum Benefit	up to maximum $2,500
Elimination Period	0 day accident / 7 day illness
Maximum Benefit Period	13 weeks
Notes	for non-work-related injury or illness

Carrier

Paid By

Income Replacement Percent

Maximum Benefit

Elimination Period

Maximum Benefit Period

Notes

Feature	Detail
Carrier	New York Life
Paid By	Employer
Income Replacement Percent	60% of your monthly pay
Maximum Benefit	maximum benefit of $6,000 per month
Elimination Period	90-day elimination period
Maximum Benefit Period	until you can return to work or reach Social Security Normal Retirement Age

Carrier

Paid By

Income Replacement Percent

Maximum Benefit

Elimination Period

Maximum Benefit Period

Detail: until you can return to work or reach Social Security Normal Retirement Age

Feature	Detail
Carrier	Unum
Paid By	HCSS (at no cost to you) for the $2,000 monthly benefit
Maximum Benefit	$2,000 per month (buy up to $9,000 per month)
Elimination Period	90-day elimination period
Maximum Benefit Period	3 years (buy-up options: 3 years, 6 years, or lifetime)
Notes	HCSS provides all active full-time employees a $2,000 monthly LTC benefit for up to 3 years through UNUM at no cost to you. This benefit has a 90-day elimination period. You have the opportunity to buy additional LTC benefits, up to $9,000 per month, with options of benefit duration of 3 years, 6 years, or a lifetime. An evidence of insurability form will be required for a monthly benefit over $6,000, for a lifetime benefit duration or if you did not elect to buy up when you were initially offered this benefit. Contact HR for buy-up costs.

Carrier

Paid By

Maximum Benefit

Elimination Period

Maximum Benefit Period

Notes

Detail: HCSS provides all active full-time employees a $2,000 monthly LTC benefit for up to 3 years through UNUM at no cost to you. This benefit has a 90-day elimination period. You have the opportunity to buy additional LTC benefits, up to $9,000 per month, with options of benefit duration of 3 years, 6 years, or a lifetime. An evidence of insurability form will be required for a monthly benefit over $6,000, for a lifetime benefit duration or if you did not elect to buy up when you were initially offered this benefit. Contact HR for buy-up costs.