Voluntary Short Term Disability Insurance from The Standard

Is Your Income Covered?

Homeowners Insurance

Auto Insurance

Health Insurance

Life Insurance Disability Insurance?

Policy: GP399-STD

Why Enroll Now?

• No medical evidence of good health required

• Affordable group rate• Convenient payroll

deductions• Avoid late enrollment

penalty

Policy: GP399-STD

Hennepin County Short Term Disability Plan

Your STD Plan Options*

Option 1 Option 2 Option 3 Option 4 Option 5

Weekly STD Benefit

$250 60% of predisability earnings up to $2,000

60% of predisability earnings up to $2,000

60% of predisability earnings up to $2,000

60% of predisability earnings up to $2,000

Benefit Waiting Period

7 calendar days

7 calendar days

14 calendar days

30 calendar days

45 calendar days

*Disabilities caused by workplace injuries are excluded from STD coverage.

Policy: GP399-STD

Maximum Benefit Period andBenefit Waiting Period

• Disability begins

Day 1 Day 30

• Benefit Waiting Period ends

• Claim is approved

Day 46

• Employee begins receiving STD benefit

Day 90

• Maximum Benefit Period ends

• Employee receives final STD benefit payment

In this example, the disabled employee has 45 days of sick leave, and the STD benefit becomes payable on Day 46. The employee receives a STD benefit for 45 days. The maximum number of days you may receive a STD benefit depends on the Benefit Waiting Period, the amount of sick leave, vacation time and PTO you have, and the plan you select.

Policy: GP399-STD

How Is the STD Benefit Calculated?

Insured predisability earnings $800/week

STD benefit percentage x 60%

$480

Less deductible income -50

Amount of STD benefit $430/week

Note: If you choose Option 1, your STD benefit will be $250 a week regardless of your income. The minimum STD benefit for each of the available options is $100 a week.

Policy: GP399-STD

Submitting a Claim Is Easy

• Access The Standard’s Web site for Hennepin County employees (www.standard.com/mybenefits/hennepin) to obtain a claim form

• If you don’t have access to the Web site, call the Human Resources Benefits office at 612.348.3530 to request forms

• Submit your claim• The Standard will contact you shortly after receiving

your completed claim form

Policy: GP399-STD

What Next?

• Review all plan documents on the Web site• Consider your personal financial situation• Check on how much sick leave, vacation time and PTO you

have accrued • Complete Needs Estimator and Premium Calculator • Call 612.348.3530 if you still have questions• Choose the option that’s right for you, then fill out the

enrollment form and return it to the Human Resources Benefits Office, A700 Govt Ctr, Mail Code 070

Policy: GP399-STD