Disability Coverage

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