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Disability

Select STD coverage to receive maternity, parental and adoption leave benefits

​Di​sability insurance is important in case you’re sick, injured or the parent of a new child and can’t work
We offer three levels of disability coverage:
Short-term disability (STD)
You buy for yourself
Basic long-term disability (LTD)
Baylor Scott & White buys for you
Supplemental long-term disability (LTD)
You buy for yourself if you want additional protection

Short-term disability (STD)

Short-term disability coverage pays a portion of your salary for a fixed period up to 180 days if you’re sick, injured or the new parent of a child. Note: STD doesn’t cover disabilities caused by occupational illness or injury — please contact Safe Choice at 877.415.0005 for occupational illnesses and on-the-job injuries.

​​​Family planning? Short-term disability is the only way to receive maternity, parental and adoption benefits.​  

 chart; parental leave; maternity leave; paternity leave; adoption leave; having a baby leave; short-term disability leave

STD: Extra details

Newly eligible?
New enrollees are automatically enrolled in STD. If you do not want STD you must opt out during your enrollment window. Keep in mind, if you opt out of STD when first eligible, future coverage may be subject to pre-existing condition provision: 

If you've been diagnosed, treated or received medical advice for a condition within three months of your effective date on the plan (Oct. 1 - Dec. 31), that condition will be excluded for a period of 12 months. If you are pregnant at the time you enroll, your delivery and recovery will be excluded from the STD benefit for that coverage year. If you are currently enrolled in the plan, you are not subject to the provision. 

Enrolling for the first time during 2020 annual enrollment?
If you have previously opted out of STD but are enrolling for the first time during enrollment, you are subject to the pre-existing condition provision: 

If you've been diagnosed, treated or received medical advice for a condition within three months of your effective date on the plan (Oct. 1 - Dec. 31), that condition will be excluded for a period of 12 months. If you are pregnant at the time you enroll, your delivery and recovery will be excluded from the STD benefit for that coverage year. If you are currently enrolled in the plan, you are not subject to the provision. 

Maternity benefits

Take advantage of our maternity benefits, designed to support the well-being of you and your baby, as well as your finances. Adding to your family is a major milestone and we're proud to be part of it.

Adoption Assistance

We provide adoption assistance for full-time employees who’ve worked with us for at least 12 consecutive months.

Long-term disability (LTD)

Basic

Basic long-term disability insurance from Cigna provides 50% of your base pay up to $15,000* a month. Once approved, benefits begin on the 181st day of disability and may continue for as long as you meet the definition of disability or until you reach your normal Social Security retirement age. (Some pre-existing condition limitations may apply.)​

Supplemental

You can increase your disability benefit to 60% of your base salary, up to $15,000* a month, by purchasing voluntary long-term disability insurance (pre-existing provisions may apply). Like basic coverage, benefits begin on the 181st day of disability. Rate calculations for short- and long-term disability are available in PeoplePlace.​
 
*Other coverage levels for life, AD&D and disability are available for certain executive and physician roles and are visible in the PeoplePlace enrollment system.​
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Deeper Dive

Summary Plan Description

This site summarizes the programs and benefits available to employees and their eligible dependents. Official plan documents, policies and certificates of insurance that contain the details, conditions, maximum benefit levels and restrictions on benefits govern our benefits program and are available on this site. In case of a conflict between this site and the official documents, the official documents prevail. The information on this site isn't a guarantee of benefits. Baylor Scott & White reserves the right to modify or terminate its employee benefit plans and programs at any time for any reason.

Click here if you have feedback on the website or need to report an issue. All other questions and issues, please contact the corresponding resource on the Need Help page.

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