Short Term Disability (STD) is voluntary insurance for City of Mesa full-time active employees only and is administered by The Hartford. STD covers non-work related disabilities and pays 66 2/3% of an employee's base pay at the time of disability (after waiting period) for a maximum of six months. Please be aware during the first six months of coverage, pre-existing conditions may not be covered under this plan. Employees can contact The Hartford to file a claim 7am to 7pm MST (except holidays).
Short Term Disability Contact Information:
|STD Plan administered by:||The Hartford (Hartford Life and Accident Insurance Company)
|Address:||PO BOX 14302, Lexington, KY 40512-4302
|Customer Service Number:||1.800.549.6514
How to Calculate Your Monthly Premium & Weekly Benefit
The monthly cost and weekly benefit amounts can be calculated by using the following formula:
|The Hartford Plan (Full-Time Employees Only)|
| Plan Option
|Monthly Cost per $10
of Weekly Benefit
|07 - Day||$0.364|
|29 - Day||$0.177|
|44 - Day||$0.146|
|/ 52||X .6667 =||/ 10 =||X||=|
|Your annual earnings||Your weekly earnings||Your benefit max = $2,000||Rate from above based on desired Waiting Period||Your Monthly Premium|
How to File a Claim
- Know when it's time to file your claim: If you are scheduled to be out of work, such as an upcoming hospital stay, you will want to file your paperless-telephonic claim within 30 days of your last day worked. If your absence is unscheduled, call as soon as possible.
- Have the following information ready:
• Your address
• Employer name (City of Mesa)
• Policy number (402870)
• Last day of active full-time work
• Nature of your claim
• Treating physician's name, address, phone and fax numbers
- Make the call: Dial 1.800.549.6514 to file your telephonic claim with a Hartford Disability Customer Service Representative
Following Up On a Claim
The Hartford will contact your physician to request additional information. If they don't receive a timely response from your physician's office, The Hartford may recommend that you contact your physician directly in order to expedite the request. Once your claim has been processed, you should call The Hartford directly with any questions you may have. Note that if your disability needs to be extended past the initial approval date, it is your responsibility to contact The Hartford and let them know that your status may need to be extended.
Why should I consider Short-Term Disability (STD) Insurance?
What is the Waiting Period for Short-Term Disability benefits and is it work or calendar days that are counted?The STD benefit waiting period (also known, as elimination period), is the number of calendar days before your short-term disability insurance can begin to pay benefits for time lost from work due to a disability (non-work related sickness or injury). It is best thought of as a “deductible” period for your STD policy. For example, let’s say you are enrolled in the 7-day waiting period STD plan and you are approved for disability benefits. Benefits will pay weekly from the eighth calendar day of disability and for your continuing period of disability up to a maximum of 26 weeks of disability.
Can I use sick pay to cover my time during the waiting period?Yes, you can use sick then vacation pay to cover your time while you are in an STD waiting period. However, once STD benefits begin to pay (i.e., after the 7, 29 or 44 day of waiting period—depending on your plan election), you can no longer draw sick or vacation time. In other words, you cannot receive STD benefits and collect sick/vacation pay for the same calendar days/time.
Is my STD benefit payment taxable income?No, benefit payments received for STD are not taxable income for Federal or State income tax purposes. Since you pay STD premium with after-tax dollars, your STD benefit payments are tax-free.