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Long Term Disability Coverage
Illness and injuries happen, and sometimes it results in unanticipated time off from work. H+H offers both short and long-term disability through Guardian to provide income protection while you are unable to work.
Eligibility
Full-Time Associates regularly scheduled to work at least 30 hours per week are eligible to elect disability coverage. If elected, coverage begins the first of the month following a 60-day waiting period.
Eligibility
Full-time associates working 30 or more hours per week
60-day waiting period
Provider
Guardian
Coverage Options
| Disability | Long Term |
|---|---|
| Coverage Amount | 60% Of Salary To Maximum $6,000/Month |
| Maximum Payment Period | Social Security Normal Retirement Age |
| Accident/Illness Benefits Begins | Day 91 |
| Pre-Existing Conditions | 6 Months Look Back; 24 Months After Exclusion |
What It Costs
Disability cost is determined by monthly rate based on covered payroll and age.
Voluntary Long Term Disability Premiums:
| Age Of Employee | Monthly Rate Per $100 Of Weekly Covered Payroll |
|---|---|
| < 24 | $0.029 |
| 25-29 | $0.350 |
| 30-34 | $0.470 |
| 35-39 | $0.680 |
| 40-44 | $0.840 |
| 45-49 | $1.420 |
| 50-54 | $2.030 |
| 55-59 | $2.990 |
| 60+ | $2.800 |
Explore All H+H Benefits
This is one of 21+ benefits included in the H+H total compensation package.
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