Short-Term Disability (STD) Insurance

Income Protection for Unforeseen Injuries or Illnesses
Hertz Benefits 5 Guide 5 Financial 5 Short-Term Disability (STD) Insurance

Short-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

Life & AD&D, Voluntary Benefits, Disability & Leave

  • General: 1-888-301-5615
  • Life/AD&D: 1-888-755-1503
  • Voluntary Benefits: 1-866-547-4205
  • Fax: 1-866-954-2621
  • Mailing Address: The Hartford, Group Claims, PO Box 14299, Lexington, KY 40512-4299