Income Protection
Willow Bridge offers disability coverage to protect you financially in the event you cannot work as a result of a debilitating injury or illness. A portion of your income is protected until you can return to work or you reach retirement age.
Core Short-Term Disability (STD) Insurance
Coverage Details
| Plan Feature | Detail |
|---|---|
| Carrier | Prudential |
| Paid By | Willow Bridge |
| Income Replacement | 50% |
| Maximum Benefit | 50%, up to a weekly maximum of $1,000 |
| Elimination Period | 7 days |
| Maximum Benefit Period | 13 weeks (Includes 7-day elimination period) |
| Pre-Existing Conditions | None |
Plan FeatureCarrier
- Detail
- Prudential
Plan FeaturePaid By
- Detail
- Willow Bridge
Plan FeatureIncome Replacement
- Detail
- 50%
Plan FeatureMaximum Benefit
- Detail
- 50%, up to a weekly maximum of $1,000
Plan FeatureElimination Period
- Detail
- 7 days
Plan FeatureMaximum Benefit Period
- Detail
- 13 weeks (Includes 7-day elimination period)
Plan FeaturePre-Existing Conditions
- Detail
- None
Core STD Notes
- Core STD benefits are available at no cost.
- This insurance replaces 50% of your income if you become partially or totally disabled for a short time.
- Certain exclusions may apply.
- See your plan documents or the People and Culture Benefits Department for details.
Buy-Up Short-Term Disability (STD) Insurance
Coverage Details
| Plan Feature | Detail |
|---|---|
| Carrier | Prudential |
| Paid By | Employee |
| Income Replacement | 60% |
| Maximum Benefit | 60%, up to a weekly maximum of $5,000 |
| Elimination Period | 7 days |
| Maximum Benefit Period | 13 weeks (Includes 7-day elimination period) |
| Pre-Existing Conditions | There is a 3-month lookback period for pre-existing conditions that may not be covered under the plan, unless you are covered under the STD plan for 12 consecutive months. |
Plan FeatureCarrier
- Detail
- Prudential
Plan FeaturePaid By
- Detail
- Employee
Plan FeatureIncome Replacement
- Detail
- 60%
Plan FeatureMaximum Benefit
- Detail
- 60%, up to a weekly maximum of $5,000
Plan FeatureElimination Period
- Detail
- 7 days
Plan FeatureMaximum Benefit Period
- Detail
- 13 weeks (Includes 7-day elimination period)
Plan FeaturePre-Existing Conditions
- Detail
- There is a 3-month lookback period for pre-existing conditions that may not be covered under the plan, unless you are covered under the STD plan for 12 consecutive months.
Buy-Up STD Notes
- Buy-up STD benefits are available for purchase on a voluntary basis.
- This insurance replaces 60% of your income if you become partially or totally disabled for a short time.
- Certain exclusions, along with pre-existing condition limitations, may apply.
- See your plan documents or the People and Culture Benefits Department for details.
Core Long-Term Disability (LTD) Insurance
Coverage Details
| Plan Feature | Detail |
|---|---|
| Carrier | Prudential |
| Paid By | Willow Bridge |
| Income Replacement | 50% |
| Maximum Benefit | 50%, up to a monthly maximum of $5,000 |
| Elimination Period | 90 days |
| Maximum Benefit Period | Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. |
| Pre-Existing Conditions | There is a 3-month lookback period for pre-existing conditions that may not be covered under the plan, unless you are covered under the LTD plan for 12 consecutive months. |
Plan FeatureCarrier
- Detail
- Prudential
Plan FeaturePaid By
- Detail
- Willow Bridge
Plan FeatureIncome Replacement
- Detail
- 50%
Plan FeatureMaximum Benefit
- Detail
- 50%, up to a monthly maximum of $5,000
Plan FeatureElimination Period
- Detail
- 90 days
Plan FeatureMaximum Benefit Period
- Detail
- Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.
Plan FeaturePre-Existing Conditions
- Detail
- There is a 3-month lookback period for pre-existing conditions that may not be covered under the plan, unless you are covered under the LTD plan for 12 consecutive months.
Core LTD Notes
- Core LTD benefits are available at no cost.
- This insurance replaces 50% of your income if you become partially or totally disabled for an extended time.
- Certain exclusions, along with pre-existing condition limitations, may apply.
- See your plan documents or the People and Culture Benefits Department for details.
Buy-Up Long-Term Disability (LTD) Insurance
Coverage Details
| Plan Feature | Detail |
|---|---|
| Carrier | Prudential |
| Paid By | Employee |
| Income Replacement | 60% |
| Maximum Benefit | 60%, up to a monthly maximum of $20,000 |
| Elimination Period | 90 days |
| Maximum Benefit Period | Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. |
| Pre-Existing Conditions | There is a 3-month lookback period for pre-existing conditions that may not be covered under the plan, unless you are covered under the LTD plan for 12 consecutive months. |
Plan FeatureCarrier
- Detail
- Prudential
Plan FeaturePaid By
- Detail
- Employee
Plan FeatureIncome Replacement
- Detail
- 60%
Plan FeatureMaximum Benefit
- Detail
- 60%, up to a monthly maximum of $20,000
Plan FeatureElimination Period
- Detail
- 90 days
Plan FeatureMaximum Benefit Period
- Detail
- Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner.
Plan FeaturePre-Existing Conditions
- Detail
- There is a 3-month lookback period for pre-existing conditions that may not be covered under the plan, unless you are covered under the LTD plan for 12 consecutive months.
Buy-Up LTD Notes
- Buy-Up LTD benefits are available for purchase on a voluntary basis.
- This insurance replaces 60% of your income if you become partially or totally disabled for an extended time.
- Certain exclusions, along with pre-existing condition limitations, may apply.
- See your plan documents or the People and Culture Benefits Department for details.
BUY-UP STD INSURANCE
| Coverage Tier | RATE PER $10 OF BENEFIT |
|---|---|
| Semi-Monthly | $0.069 |
| Bi-Weekly | $0.064 |
| Weekly | $0.032 |
Coverage TierSemi-Monthly
- RATE PER $10 OF BENEFIT
- $0.069
Coverage TierBi-Weekly
- RATE PER $10 OF BENEFIT
- $0.064
Coverage TierWeekly
- RATE PER $10 OF BENEFIT
- $0.032
BUY-UP LTD INSURANCE
| Coverage Tier | RATE PER $100 OF COVERED PAYROLL |
|---|---|
| Semi-Monthly | $0.219 |
| Bi-Weekly | $0.202 |
| Weekly | $0.101 |
Coverage TierSemi-Monthly
- RATE PER $100 OF COVERED PAYROLL
- $0.219
Coverage TierBi-Weekly
- RATE PER $100 OF COVERED PAYROLL
- $0.202
Coverage TierWeekly
- RATE PER $100 OF COVERED PAYROLL
- $0.101