Short-Term Disability (STD) Insurance
Income Protection for Unforeseen Injuries or IllnessesShort-Term Disability (STD) Coverage
Short-Term Disability (STD) is paycheck insurance that protects a portion of your income in the event of a short-term illness, pregnancy, or injury. STD benefits are payable for up to 26 weeks (after a 7-day elimination period) for an approved disability leave.
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Non-Exempt (Hourly) Employees
Non-exempt (hourly) employees automatically receive a core STD benefit of 50% of your weekly base pay up a $150 weekly maximum. You can also purchase supplemental coverage of:
- 50% of your weekly base pay up to a $500 weekly maximum, or
- 60% of your weekly base pay up to a $1,000 weekly maximum.
Important information if you live in CA, NY, HI, RI, NJ or any other state with a state disability program:
- California employees receive STD benefits through the state disability program instead of Hertz.
- New York employees may purchase STD coverage to supplement the $170 weekly maximum benefit provided by the state disability program.
- Hawaii, Rhode Island, and New Jersey employees may purchase the 60% option to supplement your state disability program.
- If you live in a state with a state disability program, you are responsible for initiating your claim with the state program in addition to or instead of Hertz disability coverage.
Exempt (Salaried) Employees
Exempt (salaried) employees are eligible to receive a salary continuation benefit for approved disability leaves. Salary continuation benefits consist of full base pay for a specified period of time, and then partial (half) base pay for a specified period of time, depending upon your length of service with the company. The policy is available at hertz.policytech.com.
Salary continuation benefits are integrated with state disability insurance benefits.
Pre-Existing Conditions
A “pre-existing condition” is a sickness or accidental injury in the three months before your coverage takes effect for which you:
- received treatment, consultation, care, or services, or
- took prescription medication or had medications prescribed.
The Hartford will not pay benefits for a disability resulting from a pre-existing condition until you have been actively at work for 12 consecutive months after your coverage takes effect.
Documents
Additional policy documents are available in the Document Library.
Provider
The Hartford
Disability. Leave of Absence (LOA) & Supplemental Health
Disability & Leave: 888-277-4767
Supplemental Health: 866-547-4205
Life and AD&D Insurance
Financial Support for Your BeneficiaryLife Insurance
Hertz provides Life Insurance coverage for you and your dependents, administered by The Hartford.
- Hertz-paid Basic Life Insurance provides coverage equal to one-times your base annual pay, at no cost to you.
- You may elect to purchase voluntary Supplemental Term Life Insurance coverage of up to six-times your annual base salary, up to a total of $3 million for both Basic and Supplemental coverage.
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Life Insurance Coverage for Your Dependents
Coverage is also available for your spouse/domestic partner and qualifying dependent children, according to the chart below. Contributions are made on an after-tax basis, so the benefit is not taxable when you receive it.
| Your Spouse/Domestic Partner | Your Child(ren) |
|
Coverage guaranteed up to $50,000 with no Evidence of Insurability (EOI) required Coverage above $50,000 requires Evidence of Insurability (EOI) |
Coverage available in amounts of $5,000 to $15,000 with no Evidence of Insurability (EOI) required |
Included Benefits & Services
The following additional benefits and services are automatically included with your Basic Life Insurance coverage:
- Online tool for drafting your will
- Legal and emotional support for beneficiaries after a death
- Travel assistance
- Identity theft protection
- The Hartford’s Express Pay process, which, under certain conditions will pay death claims in as little as 48 hours
- Funeral planning advisor assistance, including cost comparison services and online tools
Evidence of Insurability (EOI) Requirement
Evidence of Insurability (EOI) is how you provide proof of good health to The Hartford.
- If you’re a new hire and enroll when first eligible, you can elect coverage up to the lesser of five times your annual base pay or $300,000 without EOI.
- If you’re a current employee and enroll after you are first eligible or increase your Supplemental coverage by more than one times annual base pay, EOI is required for coverage above five times annual base pay.
AD&D Insurance
Accidental Death & Dismemberment (AD&D) Insurance coverage provides financial protection for you and your family in the event of a covered accidental injury or death.
- You may enroll in AD&D coverage when you’re first hired or during annual open enrollment. Evidence of Insurability (EOI) is not required.
- You may purchase coverage for yourself up to 10 times your annual base pay, with a $750,000 maximum. If you enroll, you may also cover your spouse/domestic partner and any eligible dependent children.
- You pay for AD&D coverage with pre-tax dollars and you’ll need to designate a beneficiary. Use the Enroll/Log In button at the top of the page to add or change your beneficiary.
The Hertz policy number with The Hartford is 803546.
Documents
- Additional Services from The Hartford
- The Hartford Life Essentials
- Travel Assistance
- ID Theft Protection Services
- Funeral Concierge Services
Additional policy documents are available in the Document Library.
Provider
The Hartford
Disability. Leave of Absence (LOA) & Supplemental Health
Disability & Leave: 888-277-4767
Supplemental Health: 866-547-4205
Real Appeal Weight Management
Weight loss that's free.* A difference that's real.Real Appeal by Optum is a digital weight loss program that can help you lose weight and improve your health.
Customized around your specific needs and goals, Real Appeal offers:
- Up to a year of support from your Transformation Coach. Your coach guides you through the program and develops a simple, customized plan that fits your needs, preferences, and goals.
- Unlimited access to Real Appeal’s digital content library, including workout videos, tools to help track food, activity, and weight, weekly analysis and feedback, recipes, and more.
- Access to weekly online coaching sessions with your Transformation Coach and a group of fellow members who share what’s helped them achieve success and provide ongoing accountability.
- A success kit full of healthy weight management tools including fitness guides, a recipe book (with quick family meal ideas and fast-food eating tips), weight scale, and more.
Real Appeal was designed to spark the transformation that is in each and every one of us. To learn how the program can help you meet your goals, visit hertz.realappeal.com.
For more information about Real Appeal, read this brochure and watch this video.
*Real Appeal is available at no additional cost to employees enrolled in a Hertz medical plan, their covered spouses/domestic partners, and dependents 18 or over with a BMI of 23 and higher, subject to eligibility.
Provider
Flexible Spending Accounts (FSAs)
Set Aside Money to Pay for Eligible Out-of-Pocket ExpensesIf you plan to enroll in the CDHP for 2025 and contribute to an HSA, you must spend down remaining dollars in your Health Care FSA (HCFSA) before contributing to or using your HSA. Failure to comply could result in a tax penalty.
Benefits of Enrolling in an FSA
Flexible spending accounts (FSAs) enable you to set aside some of your pay, on a pre-tax basis, into an account to pay for eligible health care or dependent care expenses.
- By using pre-tax dollars to pay for these expenses, you lower your taxable income, which can reduce the amount of taxes you pay.
- You can enroll in an account even if you’re not enrolled in any other Hertz benefits.
- You can elect the health care FSA (HCFSA), the dependent care FSA (DCFSA), or both.
- Use the information on this page to determine the best account(s) for you.
Plan carefully when determining how much to contribute to your FSA. You must incur eligible expenses no later than March 15, and submit claims for reimbursement by June 30, following the end of the prior plan year; the plan year ends on Dec. 31. Any unused balance on your FSA will be forfeited.
Health Care FSA (HCFSA)
The health care FSA (HCFSA) covers copays, deductibles, coinsurance, prescriptions, dental care, eye exams, and other eligible health care expenses.
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How the HCFSA Works
You set aside pre-tax money through payroll deductions up to IRS limits, which are announced annually.
- The HCFSA maximum contribution limit will likely increase from $3,200 for 2025.*
- You determine your HCFSA contribution during new hire and open enrollment, and you can’t make changes during the year unless you experience a qualifying life event.
After you enroll, you’ll receive a convenient HCFSA debit card with funds available immediately. Throughout the year, you can use your HCFSA to pay for eligible medical, dental, vision, and prescription drug expenses, including deductibles, copays, and coinsurance.
You may need to submit documentation of your payments, so make sure to save your receipts clearly marked as paid.
*$3,200 is the contribution limit for 2024. The contribution limit for 2025 will not be finalized until it is officially released by the IRS.
Eligible Expenses
In general, eligible health care expenses are those relating to expenses incurred during the plan year (including the two-and-one-half month grace period). You incur an expense on the day the service is provided or the supply is received, not when you are billed or when you pay for it.
You can access a complete list of eligible expenses in IRS Publication 502.
Always keep your receipts, clearly marked as paid, as proof your expenses were eligible for IRS purposes. You may be asked to submit them for verification.
Claims & Reimbursements
Get Reimbursed for Out-of-Pocket Payments
If you want to get reimbursed using your HCFSA funds for an eligible expense paid out-of-pocket, you can file a manual claim for reimbursement by completing and submitting the HCFSA Claim Form.
Automatic Reimbursements with a Hertz Medical Plan
If you are enrolled in a Hertz medical plan, any eligible medical expense balance that is not paid by your Hertz medical plan will be reimbursed automatically from funds in your HCFSA.
- Remember, you can use your HCFSA debit card to pay for dental, vision, and prescription drug expenses, but not for medical expenses.
- To opt out of automatic reimbursements from your HCFSA, complete the Automatic Reimbursement Opt Out Form.
Direct Deposit Reimbursements
To save time and avoid paper checks, you may choose to have your FSA reimbursements made by direct deposit into your bank account. To set up direct deposit, simply complete and submit the Direct Deposit Authorization Form.
Dependent Care FSA (DCFSA)
The dependent care FSA (DCFSA) covers child care expenses while you are at work for children under age 13 or for other dependents who are incapable of self-care.
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How the DCFSA Works
The dependent care FSA (DCFSA) allows you to set aside pre-tax dollars to pay for eligible dependent care expenses for children under age 13 and for certain elderly or disabled dependents. The DCFSA is for child care or elder care expenses only; it is not for health care expenses for your dependents.
- The DCFSA maximum contribution limits for 2025 are $5,000 individually, or up to $2,500 if married and filing separately.
- You determine your HCFSA contribution during new hire and open enrollment, and you can’t make changes during the year unless you experience a qualifying life event.
After you enroll, your DCFSA funds are available as soon as you deposit them into your account. Throughout the year, you can use your DCFSA to pay for child care or elder care expenses while you and your spouse work or attend school.
You may need to submit documentation of your payments, so make sure to save your receipts clearly marked as paid.
Eligible Expenses
Examples of eligible expenses that can be paid for with your DCFSA include:
- Child care
- Babysitting
- Before- and after-school programs
- Nursery school
- Preschool
- Adult or senior daycare
You can access a complete list of eligible expenses in IRS Publication 503.
Always keep your receipts, clearly marked as paid, as proof your expenses were eligible for IRS purposes. You may be asked to submit them for verification.
Claims & Reimbursements
When you have a dependent care expense, you will pay the provider and then file a claim for reimbursement by completing and submitting the DCFSA Claim Form.
Direct Deposit Reimbursements
To save time and avoid paper checks, you may choose to have your FSA reimbursements made by direct deposit into your bank account. To set up direct deposit, simply complete and submit the Direct Deposit Authorization Form.
Provider
UMR
Teladoc
In a pinch? Teladoc has you covered.Out of town? Need care in the middle of the night? Don’t sweat it. If you’re enrolled in a Hertz medical plan, there’s another way to see a doctor right away through Teladoc, a telemedicine service.
You can talk to a doctor anytime, day or night, and from anywhere, on your mobile phone, tablet, or computer for a copay (applies to your Hertz medical plan out-of-pocket limit, but not the deductible). They may be as quick as 10 to 15 minutes and can even send a prescription to the pharmacy if needed.
Get help with non-emergency conditions, including allergies, urinary tract infection, bronchitis, cough/cold, diarrhea, fever, migraines, pinkeye, rash, flu, sinus problems, sore throat, stomach aches, and much more.
Who are the doctors?
Teladoc doctors are U.S. board-certified internists, state-licensed family practitioners, and pediatricians. And, they have an average of over 20 years of experience.
To get started, go to Teladoc.com. We encourage you to register now, before you need to care.
Teladoc Behavioral Health (BH)
You must complete a comprehensive medical history and an assessment before receiving a BH consultation. The BH program treats issues such as stress, anxiety, depression, addiction, domestic abuse and grief counseling.
Provider
Health Savings Account (HSA)
Pay for Eligible Health Care Expenses Tax-FreeIf you plan to enroll in the CDHP for 2025 and contribute to an HSA, you must spend down remaining dollars in your Health Care FSA (HCFSA) before contributing to or using your HSA. Failure to comply could result in a tax penalty.
How to Use Your HSA
If you enroll in the CDHP medical plan, you will have access to a health savings account (HSA) to help you save for health care expenses. Optum Bank will automatically set up your account and send you a debit card to access your funds.
HSA contributions, earnings, and withdrawals that are used for qualifying expenses are tax-free.
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Make Contributions
Hertz will contribute to your HSA. You can also contribute additional funds up to the annual IRS limits, as outlined below, plus an annual catch-up contribution for those over age 55. You can use the HSA Contribution Calculator to help you decide how much to contribute.
Maximum Contribution Limits
The HSA maximum contribution limits for 2025 are increasing to $4,300 for employee-only and to $8,550 for all other coverage, plus a $1,000 annual catch up contribution for those over age 55. All maximums include Hertz contributions.
Use Your Funds
You can use your funds to pay for eligible medical, dental, and vision costs now or in the future. Either pay with your HSA debit card, or pay for eligible expenses out-of-pocket and reimburse yourself from your HSA savings later.
HSA-Eligible Expenses
Search for qualifying expenses using Optum’s medical expense eligibility tool and/or access a full list of eligible expenses in IRS Publication 969.
Save Your Funds
You can also use your HSA as a savings account. The account is yours, even if you leave the company, and your funds will roll over each year accruing interest tax-free. When your account balance reaches $1,000, you can invest your funds.
Provider
Optum Bank
Health Savings Account (HSA)
Phone: 866-234-8913 (Available 24/7)
Vision Coverage
Vision Insurance for Mainland & Alaska ResidentsVision Plan
Hertz vision coverage provides both in-network and out-of-network vision benefits through EyeMed.
- The EyeMed vision plan covers an annual vision exam, eye glasses, contact lenses, and laser vision correction discount.
- You receive a higher level of benefits when you go to a network provider. EyeMed’s network includes Lens Crafters, Eyeglass World, Target Optical, and Pearl Vision along with many independent optical locations.
Costs for Coverage
| Vision Care Services | Your In-Network Cost |
|---|---|
| Exam with Dilation as Necessary (once every 12 months) |
$0 copay |
| Frames (once every 24 months) Any available frame at provider location |
$0 copay; $140 allowance, 20% off balance over $140 |
| Standard Plastic Lenses (once every 12 months)
|
$10 copay $10 copay $10 copay $75 See Premium Progressive price list |
| Contact Lens Fit and Follow-Up (once every 12 months after exam is completed)
|
Up to $55 10% off retail price |
| Contact Lenses (allowance includes materials only)
|
$0 copay; $140 allowance, 15% off balance over $140 $0 copay, $140 allowance plus balance over $140 $0 copay, paid-in-full |
Documents
Provider
EyeMed
Vision Insurance
Phone: 1-866-723-0513
Dental Coverage
Dental Plan Options
Hertz offers you three dental plans administered by Cigna:
- Dental Health Maintenance Organization: Offers in-network coverage only.
- Dental Plan B: Offers in-network and out-of-network coverage.
- Dental Plan C: Offers coverage only for preventative care.
For more information about what’s covered under each plan and to estimate the cost of care, please review the cost comparison chart below, visit the Cigna website, and/or call Cigna at 1-800-244-6224.
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Find In-Network Care
When scheduling an appointment, always check to be sure your dentist is still participating in the plan.
Oral Health Program
As a participant in one of the three Cigna dental plans, you are eligible to take advantage of the Cigna Oral Health Integration Program. This program may reimburse certain out-of-pocket costs for specific dental services needed due to a medical condition.
These benefits are not automatic: you must actively enroll.
To learn more about the program and enroll, follow the link below.
Compare the Plans
| Cigna Dental CDC HMO |
Plan B Full Dental PPO |
Plan C Preventive Care Only |
||
|---|---|---|---|---|
| In-Network Only | In-Network | Out-of-Network* | In-Network or Out-of-Network* | |
| WHAT YOU PAY | ||||
| Deductible | $0 | $75** | $150** | $0 |
| Diagnostic and Preventive Care (Exams, cleanings, and X-rays; Maximum 2 visits per plan year) |
100% | 100% | 100% | 100% |
| Basic Restorative Care (Filings, extractions, and root canals) |
To see your copay, check the Patient Charge Schedule on HertzBenefits.com |
80% | 70% | Not covered |
| Major Restorative Care (Crowns, bridges, and dentures) |
50% | 40% | ||
| Orthodontia*** | 50% | 40% | ||
| Annual Maximum Benefit | No Maximum | $1,500 | $1,500 | |
* If you use an out-of-network provider, you are responsible for any amount that exceeds the eligible expense as determined by Cigna Dental.
** The out-of-network deductible does not count toward satisfying the in-network deductible and the in-network deductible does not count toward satisfying the out-of-network deductible.
*** For the Hertz Dental Plan B, orthodontia is limited to dependent children up to age 19. The lifetime maximum benefit is $1,500.
Provider
Cigna
Pharmacy Benefits
Save on Your Prescription Drug CostsPharmacy Costs & Coverage
If you are enrolled in a Hertz medical plan, your pharmacy benefits are administered by Optum Rx.
- Pharmacy benefits are not the same for every medical plan offered.
- Depending on your medical plan, annual deductibles may apply.
- For more details, please review the Cost Comparison Chart and/or refer to the Summary of Benefits and Coverage information in the Document Library.
Managing Your OptumRx Account
Use your Optum Rx account on the Optum Rx website or in the Optum Rx app to:
- Get medication pricing information
- View your coverage and benefits
- Locate an in-network pharmacy
If you do not yet have an account, you will need to register for an account to create your Health Safe ID.
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How to Find an In-Network Pharmacy
OptumRx is accepted at most pharmacies. Using an in-network pharmacy helps reduce the cost you pay for your prescriptions. Using out-of-network pharmacies can cost you significantly more.
Some of the largest national chains are in the OptumRx pharmacy network, including CVS, Walgreens, Walmart, and Kroger. To access a list of in-network pharmacies located near you, log in to your OptumRx account using HealthSafe ID on the OptumRx website or in the OptumRx app.
Save on Costs with Rx Savings Solutions
Hertz offers you another way to help lower your prescription drug costs: Rx Savings Solutions (RxSS) links to your Hertz medical plan information to find medications that could treat your condition and save you money. You and your doctor can review the information provided by RxSS and decide what’s best for your health and your budget.
Additional information and support can be found on the Rx Savings Solutions website or by calling 1-800-268-4476. Rx Savings Solutions will not change your existing medical coverage, pharmacy preferences, prescriptions, or other benefits.
Preventative Medication Savings
Under the CDHP with HSA Plan, the deductible is waived for approved prescription drugs on the OptumRx preventive medications list.
You still have to pay the appropriate copay for generic, preferred brand or non-preferred brand drugs. If your prescription is not on the approved medications list, you must first satisfy the annual deductible before the plan pays.
Home Delivery & 90-Day Retail Program
Maintenance medications (i.e. those taken on an ongoing basis) are filled as a 90-day prescription through home delivery or at a preferred retail pharmacy. You must choose one of the 90-day options for maintenance medications or you’ll pay the full cost beginning with your third fill.
OptumRx will send you a reminder letter after each 30-day retail fill with helpful tips on converting your 30-day maintenance medication to a 90-day prescription.
How to Place a Home Delivery Order
There are four ways to place a home delivery order:
- Online: Visit OptumRx.com or use the OptumRx app.
- On the phone: Call 1-855-871-6277.
- By mail: A form will be included in your welcome materials, or you can download the form from OptumRx.com and mail it with your prescription.
- Using ePrescribe: Your doctor can send an electronic prescription to OptumRx.
Specialty Medications
Certain drugs must be filled through the OptumRx Specialty Pharmacy program. You must enroll in this program to receive your specialty medication prescriptions. To get started, call 1-855-427-4682.
The specialty program provides:
- Home delivery service for covered specialty drugs.
- Pharmacists with training and expertise in specialty drugs and the conditions they treat.
- Video consultations with clinicians.
- Assistance to help you find affordable access to your medication.
Schedule a live video consultation with a clinician 24 hours a day, 7 days a week by calling (888) 797-8155.
Provider
Optum Rx
Pharmacy & Prescription (Rx) Benefits
Phone: 1-800-356-3477 (Available 24/7)
Rx Saving Solutions
Prescription Drug Savings
Phone: 1-800-268-4476 (TTY 1-800-877-8973) (Monday - Friday, 7 a.m.–8 p.m. CT)