Some employees with Short-Term Disability have questioned why they cannot receive benefits before the 14-day waiting period. We want to present you with a comparison between the current plan and a newly proposed plan. Currently, we offer a group plan with a lower monthly premium. The proposed plan has a 0 (zero) day waiting period for an accident; 7 day waiting period for illness versus the 14 day waiting period for accident/illness with the current plan.
Please review the attached table and let us know if you would prefer the shorter waiting period with a higher premium (Choice A Proposed Plan) or a longer waiting period with a lower premium (Choice B Current Plan). Please let us know your choice via e-mail (
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) by Friday, January 9, 2009, so that the insurance broker can shop for the best rates. The survey results will be used to determine which plan PPSB will offer to its employees. Note that long-term disability benefits will remain the same with benefits beginning on day 91. Also, premiums may alter based on current employment census information.
| | PLAN A
Proposed Plan | PLAN B
Current Short Term
Disability Plan |
| Waiting Period for Accidents | 0 days | 14 days |
| Waiting Period for Illnesses | 7 days | 14 days |
| Benefit Period | 12 weeks | 11 weeks |
| Issue Age | age range 18 - 49 | avg. age 40 |
Average Monthly Premium
(based on annual salary of $40K) | $65.00 | $27.18 |
| Highlights | Benefits are paid monthly | Benefits are paid weekly |
| | Premiums are based on age at the
time of enrollment as well as annual salary | Premiums are based on annual salary at the time of the annual renewal in March |
| | Benefits are paid in addition to sick leave, extenuating sick leave, sabbatical and other sources of income | Benefits are paid in addition to sick leave, extenuating sick leave, sabbatical and other sources of income |
| | Premiums are waived while collecting benefits | Premiums are not waived while collecting benefits |
| | Policy is conditionally issued (must answer some medical questions) if employee enrolls during eligibility period | Policy is guaranteed to be issued if employee enrolls during eligibility period |
| | Policy does not terminate when employment with the School System terminates as long as premiums are paid | Policy terminates when employment with the School System terminates |
NOTE: The information presented is for illustration purposes only and can change at the time of enrollment.
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