AtlantiCare 2022 Benefits Booklet

Disability Insurance

TABLE OF CONTENTS WELCOME.................2 WHAT’S NEW. ...........3 SERVICE CENTERS AND WEBSITES..........4 HOW TO ENROLL....5-6 MEDICAL..............7-13 PRESCRIPTION DRUG. ................14-16 ADDITIONAL MEDICAL PLAN RESOURCES........17-22 DENTAL...............24-25 VISION.....................26 LIFECENTER..............27 LIFE INSURANCE. .....28 DISABILITY...............29 VOLUNTARY OFFERINGS. ........30-33 SPENDING ACCOUNTS. ............34 RETIREMENT BENEFITS..................35 WELLNESS. .........36-39 LEGAL NOTICES...40-42 GLOSSARY..........43-44 FAQs...................45-47 CONTACTS.........48-49 FORMS................50-56

Short Term Disability Benefits Short Term Disability Benefits-AtlantiCare Private Plan (REPLACES NEW JERSEY STATE DISABILITY BENEFITS) New Jersey is one of only seven states to have a statutory temporary disability program. This program is often referred to as short term disability benefits (STDB) or temporary disability insurance (TDI). AtlantiCare self-administers an approved private disability plan for its eligible employees. AtlantiCare’s plan replaces the State’s plan for STDB or TDI. The purpose of this plan is to provide for protection against wage loss due to short term, non-work related disabilities. If you are eligible, benefits are calculated using a statutory formula equal to the State plan. The Leave of Absence Unit will assist you with filing a claim for STDB. Employees who are unable to work for more than 7-calendar days must submit an electronic request for Leave of Absence. The electronic request form is located on The Starfish; Forms Tab; Leave of Absence Request Form. Employees may also email LOA@atlanticare.org or call (609) 677-7766 for assistance.

Long Term Disability Benefits Long Term Disability (LTD) protects full-time employees (who have been employed at least one year) from lost earnings when illness or injury causes total disability. LTD begins after you have been disabled for six months. There are two options you can choose from: • You will be paid 50% of your monthly earnings up to a maximum of $2,500 per month; OR • You can elect the higher option of 66 2/3% of your monthly earnings up to $5,000. You will pay the cost of this higher coverage. If you did not elect coverage at your one year eligibility, evidence of insurability is required to elect coverage.

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