Disability

Overview

We offer three types of disability insurance:

Short-term disability (STD)—you are automatically enrolled* at 60% coverage level or can choose 70% buy-up coverage, costs correspond to your coverage level
Basic long-term disability (LTD)—you are automatically enrolled, no cost to you
Supplemental LTD—you can choose buy-up coverage

_{*You may chose to opt-out of coverage. If you opt-out during your initial eligibility window, you will be subject to the pre-existing conditions should you enroll in the future. See below for details.}

Short-term Disability (STD)

STD pays a portion of your salary for up to 180 days if you can’t work because of a qualified illness, injury or become the parent of a new child.

How It Works

You are automatically enrolled at 60% coverage when you become eligible for benefits, or can chose 70% buy-up coverage. Plans come at a cost that correspond to your coverage level.
You can opt out during your enrollment window, but if you do, you might not be covered for certain pre-existing conditions if you enroll at a later time (see below).
Your STD premiums are deducted from your paycheck every pay period, before taxes.

STD is the only way to receive maternity, parental and adoption benefits. View LOA page for details.

View STD Cost Calculation

View Leave of Absence page

_{Note: Occupational illnesses or injuries are covered under Safe Choice, not STD. Call}_{Safe Choice at 877.415.0005 or go to the Safe Choice Page (log-in required).}

Pre-existing Conditions*

If you've been diagnosed, treated or received medical advice for a condition within three months of your effective date on the plan, your condition may be excluded for coverage under STD, as detailed below.

If you enroll as a new hire or because you are newly eligible for benefits:
The pre-existing condition provision does not apply.
If you enroll outside of annual enrollment due to a qualifying life event:
Conditions from the 3 months prior to your effective date would be excluded from coverage for a period of 12 months.
If you enroll during annual enrollment:
Any conditions from October to December (prior to the plan’s effective date of January 1) would be excluded from coverage for a period of 12 months. This includes pregnancy.

_{*Applicable if enrollment occurs outside of initial eligibility}

Long-term Disability (LTD)

Basic LTD may pick up where STD leaves off. It pays 50% of your salary, up to $15,000^* a month, starting on the 181^st day of disability. Basic LTD is provided to you at no cost, and you are automatically enrolled.

_{*Other coverage levels are available for certain executive and physician roles and are visible in the PeoplePlace enrollment system.}

How It Works

BSW provides basic LTD at no cost to you. You can also buy supplemental coverage (see below).
LTD benefits continue for as long as you are disabled (must meet certain criteria) or until you reach normal Social Security retirement age.

Certain pre-existing conditions limits might apply.

Supplemental Long-term Disability (LTD)

This optional coverage increases your basic LTD benefit to 60% of your salary, up to $15,000^* a month.

^{*Other coverage levels are available for certain executive and physician roles and are visible in the PeoplePlace enrollment system.}

How It Works

LTD premiums are paid through after-tax payroll deductions.
Enrollment is optional (supplemental LTD coverage is not automatic).
Like basic LTD, supplemental LTD may begin on the 181^st day of disability.
Certain pre-existing condition limits might apply.

Check Premiums

Your Supplemental LTD premiums are deducted from your paycheck every pay period, after taxes. Rate calculations are available in the PeoplePlace enrollment system.

View LTD Coverage

Helpful Resources

Not sure how your leave is covered?

Explore the Leave of Absence page.

Go to page

Ready to take a leave?

See the steps on Prepare for Leave page.

Go to page

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.