Disability benefits pay a portion of your income if you become disabled and are unable to work. You're considered disabled if you’re unable to perform the essential duties of your job because of accidental bodily injury, sickness, mental illness, substance abuse or pregnancy.
We provide long-term disability coverage at no cost if you are a full-time, weekend option full-time or weekend option employee.
Waiting period before benefits begin | 90 days |
When benefits end | When you are medically able to return to work |
Maximum duration of benefits | Until normal retirement (age 65) or 48 months, if greater (see the Summary Plan Description for the maximum duration of benefits if you become disabled after reaching age 63) |
Monthly benefit | 60% of pay rate, up to $15,000 per month |
Maximum annual salary covered | $300,000 per year |
Cost to you | No cost |
Children’s Mercy pays the cost of your long-term disability insurance benefit coverage. However, you must pay any applicable taxes on this benefit. The Internal Revenue Service gives you the choice to pay these taxes now or later:
Children’s Mercy pays the cost of your short-term disability insurance benefit coverage. Short-term disability coverage provides 65% (up to $1,500 per week) of your weekly base pay from the time your Extended Illness Time is exhausted or after seven days of continuous leave, whichever is later. The payments are taxable and will continue until the 90th day of your disability or until you are released to work, whichever is earlier. This plan may “fill the gap” until long-term disability coverage is effective.
You may choose to purchase the following additional benefits:
You enroll in or cancel coverage at any time throughout the year with or without a qualifying life event. Call a Benefits Communication Specialist at (816) 983-6840 for additional information and prices, and to enroll.