Plan Features

Short-Term Disability provides income replacement if you are unable to work due to Accident, Injury, Illness, or Maternity.

Benefit Amount: 60% of Weekly Earnings up to Weekly Maximum of $1,300. Premium is paid with Post-Tax Dollars so the Benefit is tax free.

Benefits Begin on the 31st day you are out of work due to Accident, Injury, or Sickness and will pay for 22 weeks. Maternity is covered for 6 weeks and 8 weeks if C-Section.

Guarantee Issue Coverage

Pre-Existing Condition: You may not be eligible for benefits if you have received treatment for a condition within 3 months prior to your effective date under this policy until you have been covered under the policy for 6 months.


What is Long Term Disability?

Long Term Disability (LTD) provides income replacement if you are unable to work due to Accident, Injury, Illness and covers you until age 65 or Social Security Normal Retirement Age.

Plan Options

SGMC offers a CORE LTD plan and a BUY-UP LTD Plan. SGMC covers the cost of the CORE Plan while giving employees the option to purchase the BUY-UP LTD Plan.

Documents
Name Size Description
Cancer Policy Claim Form.pdf (190811) Cancer Policy Claim Form Download
Critical Illness Policy Claim Form.pdf (49695) Critical Illness Policy Claim Form Download
Accident Policy Claim Form.pdf (122648) Accident Policy Claim Form Download


Have questions or need help setting up your benefits? Don't hesitate to reach out to us!