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Short-Term Disability

Prudential Website
Prudential: 1-800-524-0542

 

Group Contract No.: G-53939-OH

 

Short-Term Disability
Short-Term Disability (STD) Insurance administered by Prudential helps provide a continuing source of income in case of an unexpected accident or illness.

Eligibility/Benefits:
The STD benefit provides 60% of your base weekly pay for up to 26 weeks. There is a 14-day waiting period for illness and a 7-day waiting period for injury that is included in the 26 weeks.

If you wish to elect STD coverage due to a qualifying life event or during open enrollment, you will be required to provide an EOI (Evidence of Insurability) form to Prudential and receive approval. New hire employees can elect STD coverage without providing an EOI form to Prudential if elected within the first 30 days of employment.

If you wish to elect STD coverage due to a qualifying life event or during open enrollment, you will be required to provide a Personal Health Information (PHA) form to The Hartford. The Hartford must approve you for this plan. New hire employees can elect STD coverage without providing a PHA form to The Hartford if elected within the first 30 days of employment.

Filing a Claim/Receiving Benefits:
If your disability claim is approved by Prudential, your Short-Term Disability benefits will begin as of the date of disability. There is a two-week waiting period for illness and a one-week waiting period for injury before any payments will be made. You may use paid leave during the waiting period. If you continue using paid leave after the waiting period, Prudential will offset the benefits you are paid by any pay you receive from Montgomery County, with a minimum weekly benefit of $20.00 per week.

Some departments will require you to exhaust all available leave before being placed on Leave without Pay status. For BCC departments, employees do not have to exhaust all leave balances before being placed on leave without pay. For departments not under the Board of County Commissioners, check with your department to make sure you understand the rules that apply to paid and unpaid leave before deciding whether this benefit is right for you.

Rates:
Rates are based on your age and base pay. Premiums are subject to change as of the date your base pay changes. Use the calculator found on this webpage to approximate your weekly benefit and cost.


STD Supplemental Life Calculator

Prudential Short Form Health Statement

Summary of Prudential Benefits

Certificate of Coverage
Short-Term Disability

Submitting a Disability Claim