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Disability Coverage

Disability coverage

The disability benefits consist of a Short-term Disability (STD) Plan, Long-term Disability (LTD) Plan, and an Extended Illness Bank (EIB) for certain eligible team members.

These plans pay a portion of your earnings if you can’t work because you are sick or get hurt while away from work.

Contact Reliance Matrix at 877-202-0055 to file your disability claim.

Visit reliancematrix.com for more information.

Disability details | Team members

Plan	Benefit amounts and guidelines
Extended Illness Bank (EIB)	Full-time and part-time members receive a benefit for income replacement based on accumulated hours prior to 12/14/2014 Income replacement at 100%
Short-term Disability (STD)	Basic coverage is paid for by ECU Health at no cost to you Full-time team members are eligible for Short-term Disability This plan begins to pay you after a seven-day waiting period It lasts up to 13 weeks and has a maximum weekly benefit of $2,000 It replaces 60% of a full-time employee’s income Option to purchase additional coverage: Supplemental coverage may be purchased to increase the benefit to 80% of income. This buy-up plan provides a maximum weekly benefit of $2,500 for Team Members. Short-term Disability payments will stop upon separation from employment, regardless of benefit payment approval status/li>
Long-term Disability (LTD)	Full- and part-time team members are eligible for Long-term Disability Provides coverage after a 90-day waiting period Replaces 50% of your pre-disability pay ($12,000 monthly maximum) Pre-existing conditions apply ¹ Team members can buy this supplemental coverage at discounted group rates

¹ If you become disabled during the first 12 months of coverage due to a pre-existing condition, the Long-term Disability Plan may not pay benefits

Example: When short-term disability (STD) pay begins

If date of disability is January 15.
Waiting period would be January 15-21 (PTO can be used during the seven-day waiting period).
STD pay (income replacement) begins January 22.
STD pay ends April 14 (13th week of disability).

For more detailed information, please see the summary plan descriptions available on the ECU Health Service Center.

Disability details | Providers

Plan	Benefit amounts and guidelines
Short-term Disability (STD)	Basic coverage is paid for by ECU Health at no cost to you Full-time providers are eligible for Short-term Disability This plan begins to pay you after a seven-day waiting period It lasts up to 13 weeks and has a maximum weekly benefit of $3,500 It replaces 60% of a full-time provider’s income Option to purchase additional coverage: Supplemental coverage may be purchased to increase the benefit to 80% of income. This buy-up plan provides a maximum weekly benefit of $4,000 for Providers Short-term Disability payments will stop upon separation from employment, regardless of benefit payment approval status
Extended Illness Bank (EIB)	Effective 1/1/27, provider sick leave balances will convert to an Extended Illness Bank Providers may opt in to use EIB for their own serious injury or illness in lieu of short term disability. EIB pays at 100% during eligible leave of absence Providers who participate in the ECU Health Medical Center Pension Plan will continue to be eligible to get paid up to 720 hours of unused EIB upon retirement, subject to the provisions of the pension plan and EIB policy
Long-term Disability (LTD)	Provides coverage after a 90-day waiting period Replaces 50% of your pre-disability pay ($12,000 monthly maximum) Pre-existing conditions apply*
Physician Individual Disability Insurance (IDI)	Offered annually to newly eligible providers Covers more of your compensation, above LTD plan benefit maximums Discounted premiums Policy belongs to you and is portable Premiums are rate-locked

* NOTE: If you become disabled during the first 12 months of coverage due to a pre-existing condition, the disability plans may not pay benefits.

Disability details | Residents

Plan	Benefit amounts and guidelines
Short-term Disability (STD)	Basic coverage is paid for by ECU Health at no cost to you Full-time residents are eligible for Short-term Disability Replaces 60% of your pre-disability pay (lasts up to 13 weeks and has a maximum weekly benefit of $3,500) This plan begins to pay you after a seven-day waiting period Option to purchase additional coverage: Residents can buy supplemental coverage to increase their benefit up to 80%; this buy-up plan has a $4,000 maximum weekly benefit
Long-term Disability (LTD)	Provides coverage after a 90-day waiting period Replaces 50% of your pre-disability pay ($12,000 monthly maximum) Pre-existing conditions apply*

Plan

Benefit amounts and guidelines

Short-term Disability (STD)

Basic coverage is paid for by ECU Health at no cost to you
Full-time residents are eligible for Short-term Disability
Replaces 60% of your pre-disability pay (lasts up to 13 weeks and has a maximum weekly benefit of $3,500)
This plan begins to pay you after a seven-day waiting period
Option to purchase additional coverage: Residents can buy supplemental coverage to increase their benefit up to 80%; this buy-up plan has a $4,000 maximum weekly benefit

Long-term Disability (LTD)

Provides coverage after a 90-day waiting period
Replaces 50% of your pre-disability pay ($12,000 monthly maximum)
Pre-existing conditions apply*

* NOTE: If you become disabled during the first 12 months of coverage due to a pre-existing condition, the disability plans may not pay benefits.

For residents, this coverage is effective on your date of hire. For all other team members, your effective date of coverage is the first of the month following your date of hire or transferring into a benefit eligible classification.