Disability

Disability from an accident or illness can strike anyone at any age. If you’re under age 35, you have a one in three chance of becoming disabled for six months or more at some time during your working life.

ER Hospital provides all eligible employees the option of disability coverage through CIGNA.

Voluntary Short-Term Disability (STD) replaces 60% of your weekly income up to a maximum of $2,000 per week if a non-occupational injury or illness forces you out of work for an extended period of time.

ER Hospitals provides two voluntary short-term disability plan options:

  1. Option One – 7 Day Waiting Period
    • Your benefit begins on the 8th day of any injury, hospitalization or illness and can continue for up to 25 weeks.
  2. Option Two – 14 Day Waiting Period
    • Your benefit begins on the 15th day of any injury, hospitalization or illness and can continue up to 24 weeks.

Any short-term disability benefit payable to you may be offset by other types of income. Pre-existing condition limitations may apply. If coverage is elected, the premiums are paid for 100% by you.

For additional details regarding the disability claims process, click here.

Employer Paid Long-Term Disability (LTD) replaces part of your income if you are disabled more than 90 days. Long term disability replaces 60% of your monthly earnings up to a maximum of $6,000. Partial disability and rehabilitation are also covered. Any long-term disability benefit payable to you may be offset by other types of income. Pre-existing condition limitations may apply. This plan is 100% paid for by ER Hospital.

Reporting a Disability Claim

To report a disability claim, simply do one of the following:

  1. Call toll-free 888-84-CIGNA (24462) between 7 am and 7 pm CST.  A representative will walk you through the process.
  2. Online at Cigna.com using the following steps:
    • Click Select Disability/Accident/Life/Critical Illness Forms
    • Click Submit a Disability Claim
    • Review and click Continue at the bottom of the Disclosure Notice page
    • A pop up box will appear that says, “Hit the continue button if you have read the above fraud language and wish to continue to file a claim”
    • Click Continue
    • Click Submit a Disability Claim Online to begin

Points to Remember about STD & LTD

• Tax Liability – Any compensation received as STD or LTD may be considered taxable income.

• Portability – STD and LTD are not portable benefits.

• Offset Income – Sick leave payable by the employer or other income may be deducted from the benefit amount.

© Copyright - ER Hospital