Paid Leave
Life doesn’t always follow a predictable schedule. Segal’s paid leave benefits are designed to help support you when you need time away from work—whether you’re managing your own health, caring for a loved one or welcoming a new family member.
Absence
Absence days are intended to support you when you’re unable to work due to a brief illness of less than five consecutive business days that does not qualify as disability under the short-term disability program. Segal does not assign a fixed number of paid absence days, but they’re not considered unlimited.
For foreseeable absences, advance notice should be given to your manager. For unforeseeable absences, you must notify your manager no later than 10 am on the day of the absence, or as soon as practicable. Segal may request reasonable documentation, such as a doctor’s note, when three or more consecutive paid absence days are used. Absences that aren’t approved or properly reported may be considered unexcused and may result in corrective action.
Short‑term disability (STD)/salary continuation
Short-term disability (STD)/salary continuation replaces your income if you are absent from work due to illness or injury for more than eight consecutive days. You are eligible for STD/salary continuation benefits if you are a regular full-time or part-time employee working at least 60% of your office’s standard work hours. Segal pays the full cost of STD/salary continuation coverage.
If you expect your absence to exceed eight days, you must notify your manager and HR – Benefits, and apply for benefits with The Hartford, Segal’s STD insurer. STD/salary continuation benefits start on your eighth calendar day of absence and may be payable for up to a maximum of 26 weeks. Your STD/salary continuation benefit depends on your years of service with Segal. All STD/salary continuation claims are paid in U.S. dollars.
Contacts
The Hartford
mybenefits.thehartford.com
888-301-5615
Long‑term disability (LTD)
Long‑term disability (LTD) provides ongoing income replacement if you remain totally disabled for longer than 180 days. You must apply for benefits with The Hartford, Segal’s LTD insurer. You are eligible for LTD benefits if you are a regular full-time or part-time employee working at least 60% of your office’s standard work hours. For LTD purposes, totally disabled means:
- First 24 months of your total disability: You’re considered unable to work if you’re not able to perform one or more of the essential duties of your own occupation.
- After 24 months of your total disability: You’re considered unable to work if you’re unable to perform the material duties of any occupation for which you may reasonably become qualified based on education, training or experience.
Segal offers three types of LTD coverage:
- Basic LTD: Replaces 50% of your annual covered salary to a maximum covered salary of $60,000 (maximum monthly gross benefit of $2,500). Segal pays the full cost of Basic LTD coverage.
- Supplemental LTD low option: Replaces 50% of your annual covered salary up to a maximum monthly gross benefit of $7,500. You pay for coverage on an after-tax basis, so any benefits you receive are not taxable.
- Supplemental LTD high option: Replaces 60% of your annual covered salary up to a maximum monthly gross benefit of $10,000. You pay for coverage on an after-tax basis, so any benefits you receive are not taxable.
Supplemental LTD coverage may be subject to evidence of insurability (EOI).
If you receive disability income from other sources (such as workers’ compensation), your LTD benefit will be reduced accordingly, and your total income from all sources cannot exceed 80% of your pre-disability earnings.
LTD benefits will end if you are no longer considered totally disabled, fail to provide required medical evidence, or upon death. All LTD claims are paid in U.S. dollars.
Contacts
The Hartford
mybenefits.thehartford.com
888-301-5615