Disability Insurance

If you’re hurt or sick and can’t work, you can rest easy knowing that Endeavor Health's collective strength is there to pick you up.

If an injury or illness or maternity leave keeps you out of work and prevents you from earning a paycheck, how would you cover your bills and household expenses? Disability Insurance provides income protection, paying benefits you can use to offset out-of-pocket expenses, and make up for lost wages.


Endeavor Health VPs and above and physicians should refer to Workday for coverage details.

 
EMPLOYEES WHO WORK 30+ HOURS:

Short-Term Disability is coverage that pays a percentage of your salary if you become temporarily disabled and not able to work for a short period of time due to illness, injury or accident. Endeavor Health provides you with Short-Term Disability coverage, administered by Reliance Matrix, for a percentage of your salary if you regularly work 30 hours or more per week.


  • Coverage: Salaried: 100% salary for 8 weeks, 60% salary for 18 weeks. Hourly: 60% salary for 26 weeks


  • Elimination Period: This benefit begins after 7 days away from work, during which you must use PTO.


  • Duration: 6 months max

To give you and your family peace of mind if you’re unable to work for an extended period of time, Endeavor Health provides you with Long-Term Disability coverage for a percentage of your salary if you work 30 hours or more per week.


  • Coverage: 60% salary up to $10,000/month
  • Coverage for Vice Presidents and above: 60% salary up to $15,000/month

Employees eligible for Endeavor Health provided Long-Term Disability with coverage in the amount of 60% of their monthly salary are eligible to purchase Long-Term Disability Buy-Up.


  • Coverage: 66 and 2/3% salary up to $12,000/month


EMPLOYEES WHO WORK 20-29 HOURS:


The Supplemental Short-Term Disability plan administered by Chubb is available to employees regularly working 20-29 hours per week who are not eligible for Endeavor Health provided STD.


  • Coverage Amount: Option to elect $100 monthly increments within minimum and maximum amount of coverage allowed:
    • Minimum Monthly Benefit Amount: $200
    • Maximum Monthly Benefit Amount: The lesser of 60% of monthly salary or $6,000
  • Guarantee Issue Amount: $3,000
  • Elimination Period: 7 days
  • Duration: 6 months max
  • Portable Coverage: You can take your policy with you if you change jobs, retire, or lose eligibility.
  • Pre-Existing Conditions: Benefits will not be paid for any disability caused by, contributed to by, or the result of a pre-existing condition which begins within the first 12 months following your coverage effective date. If you have a claim in the first 12 months, Chubb will look back 12 months to see if there was a pre-existing condition*. The claim would not be paid if Chubb determines there is a pre-existing condition*.
  • Cost: Rates are available online through Chubb’s enrollment platform during the designated annual open enrollment period.


*A pre-existing condition means a condition for which you received medical treatment, advice, consultation, diagnostic testing, care, services or took prescribed drugs or medications within the 12 months preceding your effective date.



How To Enroll

You can only enroll during annual open enrollment in the fall. Enrollment must be completed online directly through Selerix, Chubb's enrollment platform, during the designated enrollment period. More details will be announced in the fall.

Employees working 20-29 hours a week, who are not eligible for Endeavor Health provided LTD, may purchase long-term disability administered by Reliance Matrix


  • Coverage: 60% salary up to $10,000/month

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