Assurant automatically enrolls you and pays for Short-Term Disability Plan coverage. The Plan provides income in the event you cannot work due to illness, injury or pregnancy. Benefits begin after you have been disabled for seven consecutive calendar days and is payable for the duration approved by Lincoln Financial, the short-term disability administrator, up to a maximum of 25 weeks. Please note: Effective May 1, 2018, Liberty Life Assurance Company of Boston was acquired by The Lincoln National Life Insurance Company, a Lincoln Financial Group company. During the transition, employees may receive communications from both companies. Please open and read all correspondence you receive about your benefits.
|Service with Assurant||Percentage of Your Base Pay Replaced1|
Less than 91 days
More than 91 days but less than one year
50% for weeks 2-26
One year and more
75% for weeks 2-13
60% for weeks 14-26
1. Refer to the Assurant Health and Welfare Benefit Plan Summary Plan Description (SPD) for the definition of Base Pay and other Plan details.
Requesting a Leave of Absence
You can request a leave through MyHR, from the link on Connect home page.
Your Short-Term Disability premium is fully paid by Assurant. However, the premium is added to your taxable earnings for tax purposes only. This means that, because you are taxed on the premium for this coverage, any future benefits you may receive are exempt from income taxes to the extent allowed by law.
Note: If you are enrolled in the Assurant Health Plan, Anthem Blue Care Consultant services provides a team of registered nurses and specialized clinicians to guide you through health programs that may offer additional support for your medical condition.
Your Long-Term Disability coverage is fully paid by Assurant. However, the premium is added to your taxable earnings for tax purposes only. This means that, because you are taxed on the premium for this coverage, any future benefits you may receive are exempt from income taxes to the extent allowed by law.
The value of Basic Life Insurance coverage greater than $50,000 is considered taxable income. Contact your financial advisor for additional details.
After your initial enrollment period, if you elect to increase your Basic Life Insurance coverage from $50,000 to one times your annual Plan Pay, you must provide a statement of health to be approved before your new election will take effect.
|Plan||Coverage Options||Coverage Levels|
|Supplemental Life Insurance||The maximum life insurance coverage amount that you can elect (under Basic and Supplemental Life Insurance Plans combined) is $3 million.|
Premiums are age-related and based on tobacco use/non-use. You must provide statement of health (SOH) when:
• You increase coverage at any time
|One to eight times your annual Plan Pay|
|Dependent Life Insurance||Dependent Life Insurance is limited to 50% of your Life Insurance coverage (under Basic and Supplemental Life Insurance Plans combined).|
If you and your spouse/domestic partner both work for Assurant:
• You cannot be covered for Life Insurance as both an employee and as a dependent, and
You must provide a statement of health (SOH) when you:
• Request spouse/domestic partner coverage $75,000 or more
|Supplemental AD&D Insurance||The maximum AD&D coverage that you can elect (under Basic and Supplemental Life Insurance combined) is $1.5 million. The amount of your Supplemental AD&D benefit payable depends on the nature and extent of the loss as outlined in the Assurant Health and Welfare Benefit Plan Summary Plan Description (SPD).||One to eight times your annual Plan Pay|