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DISABILITY INSURANCE
After-tax Team Member-paid Disability Weekly Cost
Cost per $100 of monthly benefit
State Disability – A state disability tax is taken for Team Members employed in NY, NJ and CA.
Team Members in those states can file a disability claim when needed by:
* NY – Calling the Hartford at 800-538-8439
* NJ – Calling WESCO Insurance Company at 800-535-2710;
e-mail DBclaims@amtrustgroup.com; or going online at
https://anaclaimslite.amtrustgroup.com/login_claimant.aspx
*CA – Visiting your local state Employment Development Department office
Long-term Disability
Benefits Department • 800-562-6210, ext. 2495
How the disability benefit works
We know that understanding how the disability benefit works can be
confusing. Here’s an example that shows what a claim looks like.
Jim suffers a heart attack and has surgery as a result. His doctor tells
him that it will take six weeks of recovery before he can go back
to work. Jim calls Team Member Services to get Leave of Absence
paperwork.
Jim files a claim under his Short-term Disability coverage with Matrix
Absence Management and provides the required documentation
from his doctor.
After 14 days of being unable to work and once his claim is
approved, Jim will begin to receive his STD benefit.
• Jim’s base salary (before the heart attack):
$42,000 per year/52 weeks = $807.70 per week
• STD weekly amount: $807.70 x .60 = $484.62
By this calculation, Jim will receive $484.62 per week for the last
four weeks (six weeks minus the 14-day elimination period) that
he is disabled. If Jim remains disabled and unable to work, his STD
benefits will end after 50 weeks. If he is still disabled after 50 weeks,
he will be transitioned to LTD for consideration of monthly benefits.
Age
<55
55-59
60+
Non-
Management
$2.51
$3.16
$4.68
Short-term Disability
Cost per $100 of weekly benefit
General, Restaurant, Field Support
Managers, Drivers, Pilots, Auditors,
Regional Maintenance Techs
$2.08
$2.64
$3.94
Non-
Management
$0.43
$0.67
$0.87
General, Restaurant, Field Support
Managers, Drivers, Pilots, Auditors,
Regional Maintenance Techs
N/A
N/A
N/A
Calculation
Pre-tax weekly salary x 0.60 = STD weekly coverage
(STD weekly coverage ÷ 100) x above price = weekly cost
Calculation
Pre-tax monthly salary x 0.60 = LTD weekly coverage
(LTD monthly coverage ÷ 100) x above price = weekly cost
/login_claimant.aspx
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