HALO offers Short & Long-Term Disability insurance through BCBS IL Ancillary. If you are enrolled in Medical, HALO covers the cost of your disability insurance.
Short-Term Disability
Short-Term Disability (STD) replaces your weekly income while you are out of work following a non-work-related accident or illness. This coverage will replace 66.67% of your weekly income, up to a weekly maximum of $1,500.
- Benefits go into effect on the 8th day of a qualified disability.
- Maximum of 11 weeks with doctor certification.
- If you are enrolled in the medical plan, short term disability will be provided by the company.
- If you are not enrolled in the medical plan and wish to be covered you must purchase the plan along with long term disability and basic life and disability insurance.
Plan Documents:
Long-Term Disability
Long-Term Disability (LTD) protects your income by providing you with a percentage of your income while you are disabled. Benefits begin after 90 days of a qualified disability until age 65.
- This coverage will replace 60% of your monthly income, up to a monthly maximum of $10,000.
- If you are not enrolled in the medical plan and wish to be covered you must purchase the plan along with long term disability and basic life and disability insurance.
Plan Documents:
- Long Term Disability Summary (Class 1): Administrative Employees, enrolled in medical, earning under $200k, annually
- Long Term Disability Summary (Class 2): Commissions Employees, enrolled in medical
- Long Term Disability Summary (Class 3) Administrative Employees, enrolled in medical, earning over $200k, annually
- Long Term Disability Summary (Class 4): Administrative Employees, not-enrolled in medical, earning under $200k, annually
- Long Term Disability Summary (Class 5): Commissions Employees, not enrolled in medical
- Long Term Disability Summary (Class 6): Administrative Employees, not enrolled in medical, earning over $200k, annually
