Location: Bowdoin / HR / Benefits & Perks / DISABILITY

Human Resources

DISABILITY

Beginning January 1, 2014, our new disability insurance carrier will be Aetna. 

Short term disability (STD) provides income replacement if you are unable to work due to a non-work related illness or accident.  STD is available to all benefits eligible support staff and administrative staff with regular schedules of at least 30 hours per week including academic year employees.  Eligible employees will be automatically enrolled.  The College will pay 100% of the premium for all employees -- there is no charge to the employee.  Sensitive medical information will be directed from your doctor to Aetna.

Long term disability is available to all benefits eligible support staff  and administrative staff with regular schedules of at least 30 hours per week including academic year employees.  Eligible employees will be automatically enrolled.

Please refer to the Absence Management Policy outlined in the Employee Handbook for more information.

SUPPORT STAFF - Short Term Disability Insurance

What is Short Term Disability Insurance for Support Staff?

Short Term Disability insurance (STD) pays you a portion of your wages if you are unable to work because of a non-work related illness or injury.  Your STD insurance starts after a 14 calendar day waiting period and pays benefits for up to 24 weeks.  Reasons for being on short term disability might include:

·         Accidental Injury (not covered by worker’s compensation)
·         Sickness
·         Pregnancy
·         Mental Illness or Substance Abuse Treatment
·         Surgery
·         Other Medical Treatment

Am I eligible?

Employees who are paid on an hourly basis (non-exempt) and are regularly scheduled to work at least 30 hours per week (either year round or on an academic year basis) are eligible for short term disability insurance.   You must work at the College for at least 30 days before you are eligible for the Short Term Disability insurance.  All eligible employees are automatically enrolled.

What is the cost of the Short Term Disability Insurance?

The College pays 100% of the cost of your Short Term Disability insurance.

What is covered by the Short Term Disability Insurance?

The Short Term Disability insurance pays 70% of your average weekly wage (up to a maximum of $600 per week) after a waiting period of 14 calendar days.  During the waiting period you are paid full sick and/or vacation time (if available) for any day you are normally scheduled to work.  On the 15th calendar day the College will begin reducing your available sick and/or vacation time to 30%.

How do I use the Short Term Disability Insurance?

If you become unable to work due to an accident, illness or scheduled surgery, contact Human Resources at X3837 as soon as possible.  You will be asked to contact Aetna (the College’s disability carrier) to initiate your STD claim.  Your doctor will also need to provide Aetna with the medical information needed to approve your STD claim.  Human Resources will provide the information on your hourly wage and work schedule to Aetna and will work with your department to submit your time in coordination with STD benefits while you are out of work.  STD benefits are paid directly by Aetna in the form of a weekly check.  If you have sick and/or vacation hours available, you will continue to receive a biweekly check from Bowdoin for 100% of your wages during the waiting period and then 30% after the waiting period. 

Remember:  Your regular payroll deductions (e.g., health, dental and vision insurance, supplemental life insurance, etc.) will be subtracted from your College paycheck.  Certain College benefits (sick time accruals, vacation time accruals, and the College's contribution to your retirement plan) will be based on your actual earnings from Bowdoin.  For example, if you have exhausted your sick/vacation time and are in an unpaid status you will not accrue sick/vacation time or receive retirement contributions.

STD Plan Document

ADMINISTRATIVE STAFF - Short Term Disability Insurance

What is the College’s Short Term Disability Plan for Administrative Staff?

Short Term Disability (STD) pays your monthly salary if you are unable to work because of a non-work related illness or injury.  Your STD payments start after a 14 calendar day waiting period and pay your monthly salary for up to 6 months (from the 1st date of disability).  Reasons for being on short term disability might include:

·         Accidental Injury (not covered by worker’s compensation)
·         Sickness
·         Pregnancy
·         Mental Illness or Substance Abuse Treatment
·         Surgery
·         Other Medical Treatment

Am I eligible?

Employees who are paid on a salaried basis (exempt) and are regularly scheduled to work at least 30 hours per week (either year round or on an academic year basis) are eligible for short term disability coverage.  All eligible employees are automatically enrolled.

What is the cost of the Short Term Disability Plan?

The College pays 100% of the cost of the Short Term Disability plan.

What is covered by the Short Term Disability Plan?

The Short Term Disability plan pays 100% of your monthly salary after a waiting period of 14 calendar days.  During the waiting period you are paid full sick and/or vacation time (if available) for any day you are normally scheduled to work.

How do I use the Short Term Disability Plan?

If you become unable to work due to an accident, illness or scheduled surgery, contact Human Resources at X3837 as soon as possible.  You will be asked to contact Aetna (the College’s disability carrier) to initiate your STD claim.  Your doctor will also need to provide Aetna with the medical information needed to approve your STD claim.  You will continue to receive 100% of your monthly salary directly from the College as long as your claim remains in an approved status with Aetna.  Your regular payroll deductions (e.g., health, dental and vision insurance, supplemental life insurance, etc.) will continue to be subtracted from your paycheck.  Sick time accruals, vacation time accruals, and the College's contribution to your retirement plan will continue as usual as long as you remain in a paid status.

Administrative Staff Salary Continuation Policy

FACULTY - Short Term Disability Insurance

What is the College’s Short Term Disability Plan for Faculty?

Short Term Disability (STD) pays your monthly salary if you are unable to work because of a non-work related illness or injury.  Your STD payments begin on the 1st day of disability and pay your monthly salary for up to 6 months (from the 1st date of disability).  Reasons for being on short term disability might include:

·         Accidental Injury (not covered by worker’s compensation)
·         Sickness
·         Pregnancy
·         Mental Illness or Substance Abuse Treatment
·         Surgery
·         Other Medical Treatment

Am I eligible?

All benefits eligible faculty are eligible and are automatically enrolled. 

What is the cost of the Short Term Disability Plan?

The College pays 100% of the cost of the Short Term Disability plan.

What is covered by the Short Term Disability Plan?

The Short Term Disability plan pays 100% of your monthly salary for up to 6 months.

How do I use the Short Term Disability Plan?

If you become unable to work due to an accident, illness or scheduled surgery, contact Human Resources at X3837 as soon as possible.  You will be asked to contact Aetna (the College’s disability carrier) to initiate your STD claim.  Your doctor will also need to provide Aetna with the medical information needed to approve your STD claim.  You will continue to receive 100% of your monthly salary directly from the College as long as your claim remains in an approved status with Aetna.  Your regular payroll deductions (e.g., health, dental and vision insurance, supplemental life insurance, etc.) will continue to be subtracted from your paycheck and the College's contribution to your retirement plan will continue as usual as long as you remain in a paid status.

Faculty Salary Continuation Policy

ATHLETIC COACHES and LABORATORY INSTRUCTORS - Short Term Disability Insurance

What is the College’s Short Term Disability Plan for Athletic Coaches and Laboratory Instructors?

Short Term Disability (STD) pays your monthly salary if you are unable to work because of a non-work related illness or injury.  Your STD payments begin on the 1st day of disability and pay your monthly salary for up to 6 months (from the 1st date of disability).  Reasons for being on short term disability might include:

·         Accidental Injury (not covered by worker’s compensation)
·         Sickness
·         Pregnancy
·         Mental Illness or Substance Abuse Treatment
·         Surgery
·         Other Medical Treatment

Am I eligible?

Athletic Coaches with an FTE of .75 to 1.0 as well as full-time academic year Laboratory Instructors with an FTE of .80 and .83 are eligible.  Eligible employees are automatically enrolled.

What is the cost of the Short Term Disability Plan?

The College pays 100% of the cost of the Short Term Disability plan.

What is covered by the Short Term Disability Plan?

The Short Term Disability plan pays 100% of your monthly salary for up to 6 months.

How do I use the Short Term Disability Plan?

If you become unable to work due to an accident, illness or scheduled surgery, contact Human Resources at X3837 as soon as possible.  You will be asked to contact Aetna (the College’s disability carrier) to initiate your STD claim.  Your doctor will also need to provide Aetna with the medical information needed to approve your STD claim.  You will continue to receive 100% of your monthly salary directly from the College as long as your claim remains in an approved status with Aetna.  Your regular payroll deductions (e.g., health, dental and vision insurance, supplemental life insurance, etc.) will continue to be subtracted from your paycheck and the College's contribution to your retirement plan will continue as usual as long as you remain in a paid status.

Athletic Coaches and Laboratory Instructors Salary Continuation Policy

Long Term Disability Insurance

What is Long Term Disability Insurance?

Long Term Disability insurance (LTD) pays you a portion of your wages if you are unable to work due to personal illness or injury after a waiting period of 180 days.

Am I eligible?

All benefits eligible employees (both hourly paid non-exempt employees and monthly paid exempt employees) who are regularly scheduled to work at least 30 hours/week (either year round or on an academic year basis) are eligible for Long Term Disability insurance.  All benefits eligible faculty are also covered by Long Term Disability insurance.   You must work at the College for at least 31 days before you are eligible for the benefit.  All eligible employees are automatically enrolled.

What is covered by the Long Term Disability Insurance?

LTD insurance pays up to 60% of your regular monthly earnings on a tax-advantaged basis to a maximum covered salary of $15,833 per month (or $9,500 per month in LTD benefits).  LTD benefits cannot be coordinated with sick and/or vacation time from Bowdoin.  LTD benefits are offset or reduced by any amounts that you may receive from Social Security Disability or other forms of income.

What is the cost of the Long Term Disability Insurance?

At the time of claim an employee receives 60% of his/her regular monthly earnings on a tax-advantaged basis directly from the College’s disability carrier.  In order for LTD payments to be eligible for this tax-advantaged status, the employee must pay the taxes on the value of the LTD benefit, which is defined as the premium cost to the insurance carrier.  Each pay period the College will add the premium cost to your taxable earnings and then deduct the premium cost on an after-tax basis.  Here are a few examples:

Employee’s Annual Salary is $25,000:

$25,000 / 12 months = $2,083.33 (the premium is based on the employee’s monthly earnings)

$2,083.33 / $100 (rate is .196 per $100)  = 20.83 * .196 = $4.08 (the monthly premium)

For a biweekly employee (26 pay periods) $4.08 * 12 / 26 = $1.88 (the per pay period amount added to your paycheck by the College and then deducted on an after-tax basis)

For a biweekly academic year employee (19 pay periods) $4.08 * 12 / 19 = $2.58 (the per pay period amount added to your paycheck by the College and then deducted on an after-tax basis)

Employee’s Annual Salary is $75,000:

$75,000 / 12 months = $6,250 (the premium is based on the employee’s monthly earnings)

$6,250 / $100 (rate is .196 per $100) = $62.50 * .196 = $12.25 (the monthly premium – for a monthly paid employee this will be the amount added to your paycheck by the College and then deducted on an after-tax basis)

How do I use the Long Term Disability Insurance?

If you are unable to return to work at the end of the 180 day waiting period, Aetna (the College’s disability carrier) will assist you in the transition from Short Term Disability to Long Term Disability and in obtaining the medical information in support of your claim.   LTD income continuation may continue up to normal retirement age (except that there is a 24-month limit for substance abuse claims).

Questions?

If you have additional questions about Short Term or Long Term Disability benefits, please contact the Human Resources (X3837) or view the LTD plan policy document listed below.

LTD Plan Document