{"id":232,"date":"2018-01-24T21:37:27","date_gmt":"2018-01-25T03:37:27","guid":{"rendered":"https:\/\/www.macalester.edu\/employment-services\/disabilityinsurance\/"},"modified":"2026-03-13T08:39:44","modified_gmt":"2026-03-13T13:39:44","slug":"disability","status":"publish","type":"page","link":"https:\/\/www.macalester.edu\/human-resources\/benefits\/disability\/","title":{"rendered":"Disability Insurance"},"content":{"rendered":"<p>Macalester offers the following disability insurance in the event of a qualifying disability. The purpose of disability insurance is to protect and replace a portion of your income if you suffer a disabling injury or illness that keeps you from earning a living. If you are disabled by a condition that was treated within the last 3 months, or caused a prior disability within the last 12 months, it may be subject to a pre-existing condition exclusion.<\/p>\n\n\n\n<p>An open enrollment will be offered to employees for Short Term Disability. You can elect coverage with no health questions, even if previously declined.<\/p>\n\n\n<accordion-container\n    tag=\"section\"\n    class=\"accordion-group block-container\"\n    >\t\n\t<div class=\"accordion-group__outer\">\n\t    \t    <ul class=\"accordion-group__list\">\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-1\"\n\t                        id=\"accordion-group-heading-button-1\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Long-Term Disability Insurance<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-1\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p><strong>Policy Number: <\/strong>LK966085<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Macalester provides long\u2010term disability (LTD) insurance for employees with a 0.50 FTE or higher through New York Life Group Benefit Solutions. <strong>Macalester pays 100% of the premium for you.<\/strong> You are automatically enrolled in the LTD program, so no action is required on your end.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3>Long-Term Disability Plan Highlights<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:table --><\/p>\n<figure class=\"wp-block-table\">\n<table class=\"white\">\n<thead>\n<tr>\n<th>Group<\/th>\n<th>Waiting Period<\/th>\n<th>Benefit Amount<\/th>\n<th>Maximum Benefit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Faculty<\/strong><\/td>\n<td>90 days<\/td>\n<td>60% of basic monthly earnings<\/td>\n<td>$10,000 per month<\/td>\n<\/tr>\n<tr>\n<td><strong>Staff <em>(Non-CBU)<\/em><\/strong><\/td>\n<td>90 days<\/td>\n<td>60% of basic monthly earnings<\/td>\n<td>$10,000 per month<\/td>\n<\/tr>\n<tr>\n<td><strong>Staff <em>(CBU)<\/em><\/strong><\/td>\n<td>90 days<\/td>\n<td>66 2\/3% of basic monthly earnings<\/td>\n<td>$10,000 per month<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><!-- \/wp:table --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Benefit amounts could be reduced by deductible sources of income and disability earnings.<\/li>\n<li>Benefit duration is to age 67 when a qualifying disability occurs before age 62. Disabilities occurring after age 62 have limited benefit durations. Your certificate contains more detailed information.<\/li>\n<li>Some disabilities may not be covered and some disabilities may have limited coverage under this plan. Refer to your certificate for more information about plan limitations and exclusions.<\/li>\n<li>Rehabilitation and Return to Work Assistance: When you participate in this program as a disabled employee, an additional 10% of your gross disability payment may be paid to you up to $1,000 maximum per month.<\/li>\n<li>Dependent Care Expense Benefit: While participating in the Rehabilitation and Return to Work Assistance program, you may receive additional payments to cover certain dependent care expenses.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-2\"\n\t                        id=\"accordion-group-heading-button-2\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Short-Term Disability Insurance<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-2\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p><strong>Policy Number: VDT962903<\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Macalester offers staff members an optional short\u2010term disability plan through New York Life Group Benefit Solutions. Staff members with a 0.50 FTE and above are eligible for this benefit.\u00a0 This plan is paid by you and intended to cover qualifying disabilities due to accidents and illnesses off the job. This plan provides total and partial disability protection (as defined in the contract) and is portable with the benefits not integrated with other income sources. For faculty, see\u00a0\u00a0<a class=\"more\" href=\"\/employmentservices\/benefits\/timeaway\/#emergencyleave\">Short Term Emergency Leave<\/a><\/p>\n<p><strong>Pre-existing Conditions<\/strong><\/p>\n<p>If you become disabled within the first\u00a0<b>12 months<\/b>\u00a0of your effective date of coverage, New York Life will need to determine if your disability is due to a pre-existing condition.\u00a0 A pre-existing condition is a sickness or injury for which you received medical treatment, consultation, or care or took prescribed medications in the\u00a0<b>3 months<\/b>\u00a0prior to your effective date. If the condition did exist in those 3 months, no benefit is payable. If the condition did not exist in those 3 months, benefits may be payable.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>How does the new Minnesota Paid Leave program intersect with Short-Term Disability Insurance?<\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The new Minnesota Paid Leave program will provide paid benefits similar to what short-term disability traditionally offers for medical leaves. With this new state benefit in place, many employees may find that they lo longer need to rely on short-term disability (STD) coverage to bridge the pay gap. Employees can receive STD benefits at the same time as Minnesota Paid Leave benefits; however, the amount you receive from STD will be adjusted to ensure that the combined total does not exceed the amount you would normally receive from STD alone.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>How are premiums and benefit coverage determined?<\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If you elect this benefit when you begin your employment with Macalester, coverage will begin on the first of the following month and your premiums and benefits will be based on your age and salary as of your date of hire. If you elect this benefit at Open Enrollment, coverage will begin on the first of the following year and your premiums and benefits will be based on your age and salary as of the first of the coverage year. The maximum weekly benefit is $2,000.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3>Benefit Rate Multiplier<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:table --><\/p>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>Choice 1<\/th>\n<th>Choice 2<\/th>\n<th>Choice 3<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th><strong>Benefit Period<\/strong><\/th>\n<td>12 weeks<\/td>\n<td>11 weeks<\/td>\n<td>9 weeks<\/td>\n<\/tr>\n<tr>\n<th><strong>Benefit Maximum<\/strong><\/th>\n<td>60%<\/td>\n<td>60%<\/td>\n<td>60%<\/td>\n<\/tr>\n<tr>\n<th><strong>Benefit Start<\/strong><\/th>\n<td>8th day<\/td>\n<td>15th day<\/td>\n<td>30th day<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><!-- \/wp:table --><\/p>\n<p><!-- wp:table --><\/p>\n<figure class=\"wp-block-table\">\n<table>\n<thead>\n<tr>\n<th>Your Age<\/th>\n<th>Rate<\/th>\n<th>Rate<\/th>\n<th>Rate<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th><strong>0-24<\/strong><\/th>\n<td>$.776<\/td>\n<td>$.545<\/td>\n<td>$.207<\/td>\n<\/tr>\n<tr>\n<th><strong>25-29<\/strong><\/th>\n<td>$.819<\/td>\n<td>$.612<\/td>\n<td>$.294<\/td>\n<\/tr>\n<tr>\n<th><strong>30-34<\/strong><\/th>\n<td>$.678<\/td>\n<td>$.507<\/td>\n<td>$.231<\/td>\n<\/tr>\n<tr>\n<th><strong>35-39<\/strong><\/th>\n<td>$.502<\/td>\n<td>$.387<\/td>\n<td>$.169<\/td>\n<\/tr>\n<tr>\n<th><strong>40-44<\/strong><\/th>\n<td>$.363<\/td>\n<td>$.290<\/td>\n<td>$.127<\/td>\n<\/tr>\n<tr>\n<th><strong>45-49<\/strong><\/th>\n<td>$.387<\/td>\n<td>$.313<\/td>\n<td>$.139<\/td>\n<\/tr>\n<tr>\n<th><strong>50-54<\/strong><\/th>\n<td>$.469<\/td>\n<td>$.380<\/td>\n<td>$.169<\/td>\n<\/tr>\n<tr>\n<th><strong>55-59<\/strong><\/th>\n<td>$.603<\/td>\n<td>$.480<\/td>\n<td>$.215<\/td>\n<\/tr>\n<tr>\n<th><strong>60-64<\/strong><\/th>\n<td>$.725<\/td>\n<td>$.568<\/td>\n<td>$.256<\/td>\n<\/tr>\n<tr>\n<th><strong>65-69<\/strong><\/th>\n<td>$.775<\/td>\n<td>$.647<\/td>\n<td>$.295<\/td>\n<\/tr>\n<tr>\n<th><strong>70+<\/strong><\/th>\n<td>$.775<\/td>\n<td>$.647<\/td>\n<td>$.295<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><!-- \/wp:table --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3>Calculate Your Monthly Premium<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><strong>Example: Age 42, Choice 2<\/strong><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:table --><\/p>\n<figure class=\"wp-block-table\">\n<table class=\"white-2\">\n<tbody>\n<tr>\n<th>Annual Wages<\/th>\n<th>Weekly Wages (Annual wages \/ 52)<\/th>\n<th>Weekly Benefit (60% of Weekly Wages)<\/th>\n<th>Round down and divided by 10<\/th>\n<th>Multiplied by rate<\/th>\n<th>Monthly Premium<\/th>\n<\/tr>\n<tr>\n<td>$32,500.00<\/td>\n<td>\/ 52 = $625.00<\/td>\n<td>x 0.60 = $375.00<\/td>\n<td>\/10 = $37.00<\/td>\n<td>x $0.290<\/td>\n<td>$10.73<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><!-- \/wp:table --><\/p><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-3\"\n\t                        id=\"accordion-group-heading-button-3\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Filing A Claim<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-3\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><p>When you call New York Life Group Benefit Solutions (NYL GBS), they will help get you to the right place with automated menu choices that are easy to follow.<\/p>\n<ol>\n<li>Call 888-842-4462<\/li>\n<li>Say &#8220;claimant&#8221; or <strong>press 1<\/strong><\/li>\n<li>Input your Social Security number and date of birth<\/li>\n<li>If you have a correspondence for an existing claim that lists the phone extension of your claim manager, <strong>press 1<\/strong> to reach them directly.<\/li>\n<li>If you don&#8217;t have a phone extension for a claim manager, <strong>press 2<\/strong> for disability claims. <strong>press 3<\/strong> for disability claim status, payment status, or to speak to your claim manager.<\/li>\n<li><strong>Press 4<\/strong> to file a new claim. An advocate will support you on filing a new claim for long-term disability or short-term disability.<\/li>\n<\/ol><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t            <li class=\"accordion-group__list-item\">\n\t                <accordion-container-header\n\t                    tag=\"h3\"\n\t                    class=\"accordion-group__item-heading\"\n\t                >\n\t                    <accordion-container-header-button\n\t                        class=\"accordion-group__heading-button\"\n\t                        controls=\"accordion-group-4\"\n\t                        id=\"accordion-group-heading-button-4\"\n\t                    >\n\t                        <span class=\"accordion-group__button-text\">Resources &amp; Plan Documents<\/span>\n\t                        <span class=\"accordion-group__icon-wrap\">\n\t                        \t<svg aria-hidden=\"true\" class=\"base-symbol accordion-group__button-icon\" viewbox=\"0 0 12 12\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t    <use xlink:href=\"\/wp-content\/themes\/macalester-2020\/dist\/svgs\/symbol-plus-small.svg#icon\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t                        <\/span>\n\t                    <\/accordion-container-header-button>\n\t                <\/accordion-container-header>\n\t                <accordion-container-panel\n\t                    id=\"accordion-group-4\"\n\t                    class=\"accordion-group__item-panel\"\n\t                >\n\t                    <div class=\"accordion-group__item-panel-inner\">\n\t                        <p><ul id=\"block-508a1eb7-f64a-43b0-9224-5a148b6f3820\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block is-selected wp-block-list rich-text\" role=\"document\" aria-label=\"Block: List\" data-block=\"508a1eb7-f64a-43b0-9224-5a148b6f3820\" data-type=\"core\/list\" data-title=\"List\">\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2023\/10\/Macalester-College-Welcome-Guide.pdf\">Welcome Guide (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2023\/02\/NYL-How-to-submit-a-claim-2-8-2023.pdf\">How to report a disability claim (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2021\/10\/Benefit-Summary-Long-Term-Disability-Staff.pdf\">Benefit Summary: Long Term Disability &#8211; Staff (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2021\/10\/Benefit-Summary-Long-Term-Disability-CBU.pdf\">Benefit Summary: Long Term Disability &#8211; CBU (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2021\/10\/Benefit-Summary-Short-Term-Disability.pdf\">Benefit Summary: Short Term Disability (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2020\/02\/Short-Term-Disability-Certificate-of-Coverage.pdf\">Short-Term Disability Insurance Certificate of Coverage<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2020\/02\/Long-Term-Disability-Insurance-CBU-Certificate-of-Coverage.pdf\">Long-Term Disability Insurance &#8211; CBU &#8211; Certificate of Coverage (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/www.macalester.edu\/human-resources\/wp-content\/uploads\/sites\/344\/2020\/02\/Long-Term-Disability-Insurance-Certificate-of-Coverage.pdf\">Long-Term Disability Insurance &#8211; Certificate of Coverage (PDF)<\/a><\/li>\n<\/ul><\/p>\n\t                    <\/div>\n\t                <\/accordion-container-panel>\n\t            <\/li>\n\t        \t    <\/ul>\n\t<\/div>\n<\/accordion-container>","protected":false},"excerpt":{"rendered":"<p>Macalester offers the following disability insurance in the event of a qualifying disability. The purpose of disability insurance is to protect and replace a portion of your income if you suffer a disabling injury or illness that keeps you from earning a living. If you are disabled by a condition that was treated within the [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":2106,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-232","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/232","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=232"}],"version-history":[{"count":55,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/232\/revisions"}],"predecessor-version":[{"id":10443,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/232\/revisions\/10443"}],"up":[{"embeddable":true,"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/pages\/2106"}],"wp:attachment":[{"href":"https:\/\/www.macalester.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=232"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}