Voluntary Short-Term Disability Insurance

• Short-Term Disability (STD) insurance can help protect your income if you are unable to work due to a covered accident, illness or pregnancy.
• The Short-Term Disability benefit is 60% of your pre-disability weekly earnings subject to the plan’s maximum weekly benefit of $1,500. This benefit is non-taxed.
• Benefits continue for as long as you are disabled up to a maximum duration of 12 weeks of disability.

Voluntary Long-Term Disability Insurance

• Long-Term Disability (LTD) insurance can help protect your income if you are unable to work due to a major injury, chronic condition, cancer or extended illness.
• The benefit amount is 60% of your pre-disability monthly earnings and may not exceed the maximum monthly benefit established under the plan, regardless of your annual salary amount. The maximum under this plan is $8,000, less deductible sources of income.
• Monthly payments are made directly to you.

Important: If you choose not to enroll at time of hire and wait to enroll in either of these coverages at a later date, you will be subject to completing evidence of insurability, and you may be declined coverage.

Newly enrolled employees may be subject to pre-existing condition rules.

Please note: If your base salary is more than $96,000, the maximum premium is capped at $8,000.

What is Evidence of Insurability (EOI)?

EOI or Statement of Health is information about your health, which the insurance company may require to approve you for coverage.

If you’re newly eligible and have not previously waived coverage, you can elect up to the guaranteed issue amount without submitting EOI. You may be required to submit EOI if you have previously waived this coverage or if you elect an amount above the guaranteed issue amount.

Leave of Absence

With Prudential, your leave process includes all of the following:

• All-in-one access to all your elected lines of coverage with Prudential and Leave Management through mybenefits.prudential.com.
• Personalized guidance on leave entitlements based on your specific situation.
• Streamlined management of Short/Long-term Disability and FMLA, ensuring a smooth transition from one to another.
• Expert help maximizing your voluntary benefits elected through Prudential alongside federal/state leave.
• Dedicated Prudential resources for applying for leave, managing paperwork and connecting with Centric HR for a hassle-free leave process.

Prudential’s intuitive platform will simplify leave management, reducing confusion and ensuring you understand your options. Please refer to the informational documents found in the “Important Resources” section for additional details.

If you have any questions or concerns, don’t hesitate to reach out to [email protected] or your HR Business Partner.

See the Employee Handbook for information on Centric’s Family Medical Leave, Paid Parental Leave and Unpaid Leave policies.