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An illness or injury that keeps you out of work could have a devastating impact on your income. To protect you and your family, Palmetto Health offers short-term and long-term disability coverage for eligible team members at no cost to you.

Short-Term Disability

Palmetto Health provides you with short-term disability coverage to give you short-term income protection in case you become disabled due to illness or a nonoccupational injury. If your disability claim is approved, you may be eligible to receive 50 percent of your covered salary (up to $2,500 per week) after a 15-day elimination period.

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Long-Term Disability

Palmetto Health provides long-term disability coverage to give you income protection In the event you become disabled due to a long-term illness or a nonoccupational injury. After a 180-day elimination period, if your disability claim is approved, you may be eligible to receive 60 percent of your covered salary, up to $25,000 per month.

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New for 2018. More protection for you and your family.

Short-term Disability Buy Up

Palmetto Health provides Short-term Disability at no cost to all benefits- eligible team members when you are unable to work due to a serious illness or injury. It covers 50 percent of your base pay after a 15-day elimination period. With the Short-term Disability buy-up benefits option, you can purchase an additional 10 percent of coverage should you go out on a medical leave of absence.

  • New Buy-up: 60% to $3,000 per week
 STD Buy-Up Estimated Premiums  
 Age Band  Rate Per $10
of Weekly Covered Benefit (WCB)
 <54  $0.272
 55 - 59  $0.282
 60-64  $0.327
 65+  $0.359

 

Long-term Disability Buy Up

Palmetto Health provides Long-term Disability at no cost. Long-term Disability covers 60 percent of your base pay after you have been on a medical leave of absence for six months. With the Long-term Disability buy-up benefits option, you can purchase an additional 6.67 percent of coverage. 

  • New Buy-up:  66.67% to $10K, $20K, or $25K per month based on class
 LTD Buy-Up Estimated Premiums  
 Age Band  Rate Per $100 
of Covered Monthly Payroll (CMP)
 <25 $0.051
25-29 $0.065
30-34 $0.124
35-39 $0.194
40-44 $0.291
45-49 $0.391
50-54 $0.541
55-59 $0.574
60-64 $0.606
65-69 $0.630
70+ $0.645

 

With both options, please refer to the buy-up options/limitations and the Short-term Disability and Long-term Disability policies for specific allowances based on job status.

Related Links

Enrollment Information

New Benefits for 2018

Have a Question?
Contact the Total Rewards Benefits Center at 800-963-3456 or 803-296-8893, or email TotalRewards
@PalmettoHealth.org