CoorsTek is pleased to provide short-term and long-term disability insurance through The Hartford at no cost to you. Disability Insurance is subject to a pre-existing condition waiting period. Benefits will not be paid for any disability, including maternity, for which you received medical treatment, care, or consultation, including diagnostic measures or took prescribed drugs or medications during the three months preceding your effective date under this policy. A disability arising from any such injury or sickness will be covered only if it begins twelve months after the effective date of this policy. Please review the plan documents found at coorstek.com/benefits for more information.
Short-Term Disability Insurance
As a benefits-eligible employee, you are automatically enrolled in short-term disability (STD) coverage on the first day of the month following date of hire.
If you are unable to work due to an illness or a non-work related injury, you may receive a benefit for up to 180 calendar days. If you expect to have an absence exceeding three calendar days due to an illness or injury you may be eligible for STD benefits. There is a three-day waiting period before STD benefits begin. You must use PTO during the waiting period, if available. The Hartford provides the STD claim administration and determines if you are eligible for STD based on supporting medical documentation. Your benefits may be subject to an offset based on other disability benefits.
Long-Term Disability Insurance
As a benefits-eligible employee, you are automatically enrolled in the long-term disability (LTD) plan on the first day of the month following date of hire. If you are eligible for LTD, benefits under the LTD plan may begin if you remain totally disabled after 26 weeks (180 calendar days of STD). If you are eligible for LTD, your employment may be terminated, and you would be offered health benefit options under COBRA.
2020 Benefit Plan Offering Sections
Disability Insurance (STD/LTD)
Questions? Call or email us:
3 days (PTO will be used, if available; otherwise unpaid)
180 days (26 weeks)
Disability Benefits Begin:
Disability Benefits Duration:
Up to 180 days (includes waiting period)
Own occupation: 2 years
Any occupation: Social Security Normal Retirement Age
Percentage of Income Replaced:
100% of last base salary to a maximum of $5,000 per week for first 10 days (includes benefit waiting period)
60% of last base salary to a maximum of $5,000 per week from day 11 through day 180
PTO may be used to subsidize pay to reach 100% of base salary. Other disability amounts will offset the amount received from STD
50% of base salary to a maximum of $15,000 per month
Benefits continue with premiums deducted via payroll withholding
Employment may be terminated
Employee offered COBRA