残障保险
Disability insurance is designed to help you meet your financial needs if you become unable to work due to an illness or injury. 亚洲博彩平台排名 offers both 短期残疾 and 长期残疾 through OneAmerica to benefits-eligible employees at 无额外费用.
To discuss the short- or long-term disability process, please contact the 好处s & 健康小组 fmla@52499555.com or 317-940-9355.
| 等待期 | 短期残疾 | 长期残疾 |
|---|---|---|
| 短期:7个日历天 | 亚洲博彩平台排名 automatically provides 短期残疾 (STD) insurance to all benefits eligible employees. 好处s will be reduced by other income, including state mandated STD plan. | 亚洲博彩平台排名 automatically provides 长期残疾 (LTD) insurance to all benefit eligible employees |
| 长期:90日历天 | 好处: 60% of base pay, up to $3,000 per week | 好处: 60% of base pay, up to $14,000 per month less other income benefits |
| 消除时间: 7天 | 消除时间: 90天 | |
| 效益持续时间: 最多12周 |
To meet short-term disability qualifications, a qualifying medical condition must not be related to the work environment or job-related responsibilities, must be severe enough to prevent the employee from working for a limited period, and must require a doctor’s care. 短-term disability generally covers:
- Accident-related受伤
- 慢性疾病
- 急性疾病
- 精神疾病
Common injuries related to accidents might be broken bones, 伯恩斯, 头部外伤, 或者肌肉骨骼损伤. 短-term disability also covers the period following a medically necessary surgery related to the injuries.
慢性疾病 symptoms often come and go. 给n their nature, many chronic diseases qualify as an illness for short-term disability. 例子包括癌症, 哮喘, 癫痫, 纤维肌痛症, 高血压, 痛风, 还有腕管.
急性疾病 typically meet the definition of a qualifying illness because they are severe and likely to cause a total loss of income for a period. Some diseases in this category might be 肺炎, 心脏病, 中风, 肾结石, 或阑尾炎.
精神疾病 means a psychiatric or psychological condition classified in the Diagnostic and Statistical Manual of Mental Health Disorders (DSM), published by the American Psychiatric Association. 这些障碍包括, 但不限于, 精神病, emotional or behavioral disorders, or disorders related to stress or to substance abuse or dependency.
A short-term claims packet will need to be completed by 博彩平台排名, the employee and each healthcare provider who is treating the employee for the disabling condition. The healthcare provider statement (APS) is an essential component of the claim, and it must be received by 一个美国 within 45 days of the claim initiation.
我的诊断是什么??
Common terms and examples of disability claims diagnoses
| 索赔诊断类别 | 外行语言描述 | 具体的例子 |
|---|---|---|
| Diseases of the musculoskeletal system and connective tissue | Muscle, back and joint disorders | 关节炎, 疝ted or degenerated disc, 背部疼痛, 脊柱/关节紊乱, 软骨扭伤, 肌腱炎, fibromyitis, 骨质疏松症, 风湿病, 脊柱侧凸, 坐骨神经痛 |
| Disease of the nervous system and sense organs | Spine and nervous system- related disorders | 多发性硬化症, 癫痫, 麻痹, 阿尔茨海默氏症, 帕金森病, amyotrophic lateral sclerosis (ALS), 贝尔氏麻痹症, 格林-巴利综合征, eye disorders including diabetic retinopathy and macular degeneration, ear disorders including balance-related disorders like Meniere’s disease |
| Diseases of the circulatory system | Cardiovascular and circulatory diseases | Hypertension, heart disease, 心脏病, 中风, aneurysm, coronary artery disease, phlebitis |
| 癌症和肿瘤 | 癌症和肿瘤 | Breast cancer, prostate cancer, lymphoma, Hodgkin’s disease, leukemia, tumors |
| 伤害和中毒 | Accidents, injuries and poisonings | Fractures, sprains and strains, dislocations, contusions, 伯恩斯, poisoning, allergic reactions |
| 精神障碍 | 精神疾病 and behavioral disorders | 抑郁症, 精神分裂症, 药物/酒精滥用药物, 双相情感障碍, 焦虑, 强迫症 |
| Diseases of the respiratory system | 呼吸系统疾病 | 流感, 肺炎, 哮喘, 支气管炎, 肺气肿, 肺纤维化, 囊性纤维化, chronic obstructive pulmonary disorder (COPD) |
| Symptoms, signs, and ill- defined conditions | Ill-defined or subjective conditions | 头疼, 失眠, 昏迷, 慢性疲劳综合症, 睡眠呼吸暂停, 季节性情感障碍, 厌食症, other symptoms without a diagnosis |
| Infections and parasitic diseases | Infectious and parasitic diseases | Food poisoning, HIV/AIDS, hepatitis, meningitis, salmonella, tuberculosis, polio |
| Diseases of the digestive system | 消化系统紊乱 | 胃溃疡, 胃炎, 阑尾炎, 疝, 肠易激综合症, 肝硬化, 克罗恩氏病, 憩室炎, 溃疡性结肠炎, 牙科疾病, temporomandibular join (TMJ) disorders |
| Endocrine, nutritional and metabolic diseases and immunity disorders | Nutritional, metabolic, regulatory and immunity disorders | Diabetes, malnutrition, obesity, 痛风, 囊性纤维化, thyroid disorders |
| Diseases of the genitourinary system | Genital and waste removal disorders | 子宫脱垂, 宫颈炎, 更年期症状, 肾脏和膀胱疾病, 生殖器官疾病, 肾功能衰竭, 前列腺肿大, 前列腺炎, 尿路感染, 子宫内膜异位 |
| 先天性畸形 | 继承的条件 | 先天性畸形, spina tend, Down syndrome, inherited heart valve malfunction |
| Diseases of the blood and blood-forming organs | 有与血液相关的疾病 | Anemia, hemophilia, sickle-cell disease, diseases of the spleen |
| 其他 | 其他疾病 | 其他疾病 not captured in the categories above |
For a general review of the short-term disability process, please review the Disability Claims Guide (PDF).
联系信息
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