Disability

What is Short-Term Disability Insurance?

A type of coverage that replaces a portion of your income, for a short period of time, if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules:

Eligibility: Eligible full-time employees working 30+ hours per week
Coverage through OneAmerica
Employee must be actively at work on the effective date
Pays up to 100% of pre-disability earnings
Does not pay in-addition to Paid Time Off (PTO)/Offsets with outside income sources
Annual Open Enrollments with no health questions; pre-existing condition limitation will apply to new enrollees

What is Long-Term Disability Insurance?

A type of coverage that replaces a portion of your income, for a long period of time, if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules:

Eligibility: Eligible full-time employees working 30+ hours per week
Coverage through OneAmerica
Employee must be actively at work on the effective date
No health questions EVERY YEAR!
Does not pay in-addition to Paid Time Off (PTO)/Offsets with outside income sources
Premiums paid by City of Hartford. No cost to employees!