Voluntary Group Short Term Disability (STD)

Voluntary Group Short Term Disability (STD)

SYMETRA

All employees should keep an eye out for an email from SYMETRA. The message will contain employee log-in information and a link to their online enrollment platform.

Disability income insurance can provide a portion of the income you would lose if you became disabled and could not work. This would help to pay your everyday living expenses and it may assist you in maintaining the standard of living you and your family now enjoy.

How to Enroll

Visit SYMETRA - https://www.bentegrity-online.com/CES

Detailed Enrollment Instructions 

To elect or change coverage at Open Enrollment, go to the SYMETRA website and complete the Short Term Disability section of the Enrollment Application. An Evidence of Insurability form will be required.

If you presently have this benefit, be sure to confirm it is listed in SYMETRA's system.

 

Learn More about Short Term Disability Benefits 

Short Term Disability Plan Document

Benefits are issued in response to the filing of a claim and can be collected for no more than 13 weeks. Short term disability benefits begin after an employee has been out of work for 14 days. Benefits are not taxable when received. After short term disability benefits are exhausted, long term disability coverage becomes available. The Collaborative provides employees with long term disability free of charge.

 

Short Term Disability Cost Information

This varies from individual to individual, depending on the amount of benefit elected and his or her age. The monthly rate per $10 of weekly coverage is based on your age band. View the chart below for details.

Short Term Disability Rate Chart

Why should I change the amount of my coverage?

Employees often think that their benefit increases when their salary does; however that is not the case. An employee must elect an increase, otherwise the benefit amount remains the same from year to year. Change your benefit amount by filling out an Evidence of Insurability form. Applications for benefits (new elections and increases in coverage) are subject to underwriting and may be denied.

How much can I collect?

Up to 60% of your salary. Employees elect the amount of coverage they need.

For more information, contact: 
Phone: 
413.586.4900 x5923 or x5925
Email: 
hr@collaborative.org