BHT Investment - 2022 Employee Benefit Guide
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DISABILITY INSURANCE<br />
CARRIER: Lincoln Financial<br />
SHORT-TERM DISABILITY INSURANCE<br />
Short-Term Disability (STD) Insurance is designed to help you meet your financial<br />
needs if you become unable to work due to a non-work related illness or injury.<br />
This is a voluntary plan; employees are responsible for 100% of the cost.<br />
Premiums are calculated as a percentage of you annual base salary.<br />
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<strong>Benefit</strong>: 60% of base weekly salary up to $1,500 per week<br />
Elimination Period: 1 st day Accident / 8 th day Illness<br />
<strong>Benefit</strong> Durations: Up to 13 weeks<br />
Pre-Existing Conditions Limitation: 3/6 – You may not be eligible for<br />
benefits if you have received treatment for a condition within 3 months prior<br />
to your effective date under this policy until you have been covered by the<br />
policy for 6 months.<br />
Attained Age Premium Factor<br />
0-29 0.01412<br />
30-34 0.01315<br />
35-39 0.01205<br />
40-44 0.01108<br />
45-49 0.01135<br />
50-54 0.01260<br />
55-59 0.01482<br />
60-64 0.01758<br />
65-69 0.01994<br />
70+ 0.02395<br />
Premium calculated<br />
in MyPay during<br />
enrollment<br />
REMINDER<br />
Review your beneficiary designations<br />
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