Life & Disability Insurance
Basic Life/AD&D: Full-Time Employees Only
Basic life insurance is available to (non-1199) full-time employees only. Employee basic life insurance is equal to 1.5 times your basic annual earnings, rounded to the next higher $1,000. The maximum amount of insurance is $500,000. This includes an additional accidental death and dismemberment (AD&D) provision that offers coverage in the event of accidental death and certain other conditions. Basic life and AD&D insurance is administered by MetLife and is paid for by White Plains Hospital.
According to federal law, only the first $50,000 of employer-paid life insurance is not taxable. Premiums paid by White Plains Hospital for coverage levels over $50,000 will be taxable to you and will be included on your paycheck.
Voluntary Life Insurance
All FT and PT employees can purchase voluntary life insurance for themselves, their legal spouse and dependent children without providing medical information up to certain guarantee issue (GI) amounts when you are first hired. Amounts up to the GI levels are automatically approved.
Disability Insurance
The Hartford administers our disability insurance benefit plans. White Plains Hospital pays the cost of (statutory) short-term and long-term disability insurance for eligible employees. You are automatically enrolled in these benefits.
Long-Term Disability: Full-Time Employees Only
Long-Term Disability (LTD) benefits are provided to non 1199 full-time employees as income protection in the event you become disabled for an extended period.
Short-Term Disability
Short-term disability (STD) benefits are based on the New York State mandated disability platform. This benefit becomes payable when you are unable to work due to an injury or illness unrelated to work. If you remain disabled and meet the plan’s disability requirements, you will continue to receive a percentage of your earnings until the benefit duration has ended.
Voluntary Short-Term Disability Insurance
Voluntary STD insurance helps protect your income during absences due to non-occupational injury or illness and pregnancy. The cost of coverage is dependent on your age, the commencement period, and the weekly benefit amount that you select. The premium is deducted post-tax from your paycheck, and the benefit is received tax-free.
Benefits Information, All in One Place
Log in to HealthyMeBenefitsEnroll.com to securely access your personal benefits information, review your current coverage, find plan documents and make changes after a qualifying life event. If you need help finding information or understanding your benefits, ask Sofia, your personal benefits assistant.