Disability

Short-Term Disability (STD)

Short-Term Disability insurance plan provides coverage if you cannot work due to a non-occupational injury or illness. Eligible employees are provided with employer-paid STD. If you have an illness that prevents you from working for an extended time, disability coverage will provide you some income. Howard provides STD benefits up to 50% of your base pay for up to 22 weeks, not to exceed $1,000 per week maximum. Payments begin after 30 continuous days of illness or injury.

  1. Runs consecutively with your Continuous FMLA.
  2. Employees must apply for Short-Term Disability with MetLife.
  3. Beginning on day 31, the employee can supplement the additional 50 percent of pay, by using four (4) hours of sick/annual leave per day while on Short-Term Disability.
  4. The maximum amount of time you are eligible to receive Short-Term Disability is 22 weeks.
  5. If you are eligible for Short-Term Disability, you will receive payment after you have been on leave for 30 days.

Long-Term Disability (LTD)

Long-Term Disability insurance plan provides coverage if you cannot return to work after a Short Term Disability (STD) due to an illness or injury. Eligible employees are provided with employer-paid LTD. If you have an illness that prevents you from working for an extended time, disability coverage will provide you some income. LTD coverage will pay up to 60% of your base pay until you are no longer disabled, or until you reach Social Security age. The maximum monthly payment is $10,000. LTD benefits may begin after six months of continuous disability.

  • Eligibility
    • All employees are automatically covered under the LTD Insurance plan at no cost.
  • Benefit Description
    • Long-Term Disability (LTD) benefits replace a portion of your income if you become ill or injured and cannot work. You may apply for LTD benefits when experiencing work-related or non-work-related injuries or illnesses that are expected to extend beyond the Short-Term Disability period.
  • Requesting a Leave of Absence
    • Steps to take to apply:
      • Approximately 30 calendar days prior to the completion of the 22 weeks of Short-Term Disability, a MetLife claims representative will reach out to you directly to review any eligible LTD benefits.
      • The MetLife claims representative will work directly with you and your physician to transition to LTD.