Wage Continuation
Hamilton offers disability coverage to protect you financially in the event you cannot work as a result of a debilitating injury or illness. A portion of your income is protected until you can return to work or you reach retirement age.
Wage Continuation
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Short-Term Disability
Paid by
- Detail
- Hamilton
Eligibility
- Detail
- Employees are eligible the first of the month following one year of employment.
Elimination period
- Detail
- one-week waiting period; maternity benefits begin immediately
Maximum benefit period
- Detail
- up to 11 weeks; maternity-related disability up to 12 weeks
Notes
- Detail
- Hamilton provides payment of disability benefits to employees who are unable to work because of accident, injury, or sickness not connected to their work.
STD Insurance Notes
- Employees are eligible the first of the month following one year of employment.
- This benefit pays a percentage of the employee’s weekly salary for a period of up to 11 weeks.
- For maternity-related disability, benefits are payable for up to 12 weeks. Unlike other short-term disability claims, maternity benefits begin immediately without a one-week waiting period.
Voluntary Long-Term Disability (LTD) Insurance Option 1: Low Plan
Carrier
- Detail
- Reliance Matrix
Paid by
- Detail
- voluntary basis
Income replacement percent
- Detail
- 60%
Maximum benefit
- Detail
- 60% of your monthly salary, up to $5,000
Elimination period
- Detail
- 90 days
Pre existing condition clause
- Detail
- LTD benefits are available for purchase on a voluntary basis. This insurance replaces a percentage of your income if you become partially or totally disabled for an extended time. Certain exclusions, along with pre-existing condition limitations, may apply. See your plan documents or Human Resources for details.
Notes
- Detail
- Both plans have reducing schedule at age 65.
Voluntary Long-Term Disability (LTD) Insurance Option 2: High Plan
Carrier
- Detail
- Reliance Matrix
Paid by
- Detail
- voluntary basis
Income replacement percent
- Detail
- 66.67%
Maximum benefit
- Detail
- 66.67% of your monthly salary, up to maximum of $7,000
Elimination period
- Detail
- 90 days
Pre existing condition clause
- Detail
- LTD benefits are available for purchase on a voluntary basis. This insurance replaces a percentage of your income if you become partially or totally disabled for an extended time. Certain exclusions, along with pre-existing condition limitations, may apply. See your plan documents or Human Resources for details.
Notes
- Detail
- Both plans have reducing schedule at age 65.
LTD Notes
- LTD benefits are available for purchase on a voluntary basis. This insurance replaces a percentage of your income if you become partially or totally disabled for an extended time. Certain exclusions, along with pre-existing condition limitations, may apply. See your plan documents or Human Resources for details.
- Both plans have reducing schedule at age 65.
- If you become disabled, your Long-Term Disability benefits will continue for a set period based on your age at the time you become disabled. Benefits will not extend beyond the later of: the duration shown in the table below, or your normal retirement age.
- Example: If you become disabled at age 63, benefits may continue for up to 3 years.