Plan
Criteria for Collecting
Workers Compensation Occ Injury/illness HMO1 HMO2 Non-occ Point of Service injury/illness EAP Sick Leave - new hire Employed 6 mos. Sick Leave - >1 year 1 year and over
STD SDI SSD
LTD FEHA CFRA
Definition of disability
Benefit Payment How Frequency Payment Amount Funded Co pays first $200,000 per claim
Free to Employees 2.5 days 5 days/per year
>7 calendar days of total disability
If rtw 1st 12 months @ 20% earnings = Earning <20% 100% earnings; of pre-disability 50% >12 mos earnings Monthly
If rtw 1st 12 months @ 20% earnings = 100% earnings; 50% >12 mos
Legal Venue
Offset Amount Plan
SDI, WC, SSD
Who Approved Issues By Check
Length of Benefit
Based on years of service; 10 benefit days for each year of service for a maximum of 125 days; based on avg 11.5 years of svc (current avg 115 dob)
Based on known data >7 years
Claim Filing Process