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 | Long-Term |
|---|---|
| Coverage amount | 60% of salary to maximum $6,000/month |
| Maximum payment period | Social security normal retirement age |
| Accident/Illness benefits begins | Day 91 |
| Pre-existing conditions | 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 Long Term Disability Premiums:
| Age of Employee | Monthly Rate per $100 of Weekly Covered Payroll |
|---|---|
| < 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 |
