Illness and injuries happen, and sometimes it results in unanticipated time off from work. H&H offers both short and long-term disability through Guardian to provide income protection while you are unable to work.
Eligibility
Full-Time Associates regularly scheduled to work at least 30 hours per week are eligible to elect disability coverage.
If elected, coverage begins the first of the month following a 60-day waiting period.
Coverage Options
Disability | Short-Term | Long-Term |
|---|---|---|
Coverage amount | 60% of salary to maximum $600/week | 60% of salary to maximum $6,000/month |
Maximum payment period | 12 weeks | Social security normal retirement age |
Accident/Illness benefits begins | Day 8 | Day 91 |
Pre-existing conditions | 3 months look back; 12 months after 2--week limitation | 6 months look back; 24 months after exclusion |
What It Costs
Disability cost is determined by monthly rate based on covered payroll and age.
Voluntary Short Term Disability Premiums | Monthly Rate Per $10 of Weekly Covered Payroll |
|---|---|
Age of Employee | |
< 39 | $0.34 |
40-44 | $0.36 |
45-49 | $0.43 |
50-54 | $0.52 |
55-59 | $0.69 |
60-64 | $0.85 |
65+ | $0.97 |
Voluntary Long Term Disability Premiums | Monthly Rate Per $100 of Weekly Covered Payroll |
|---|---|
Age of Employee | |
< 24 | $0.029 |
25-29 | $0.350 |
30-34 | $0.470 |
35-39 | $0.680 |
40-44 | $0.840 |
45-49 | $1.420 |
50-54 | $2.030 |
55-59 | 2.990 |
60+ | 2.800 |
