Short-Term Disability (STD) Insurance

Income protection for unforeseen injuries or illnesses.

The STD plan pays a weekly benefit if you can’t work due to a non-work-related illness or injury.

To receive STD benefits, you must be unable to perform the essential duties of your job due to accidental injury, sickness, mental illness or pregnancy1. After your 7- or 14-day waiting period, disability benefits are paid based on your condition and physician statement.

Short-Term Disability Eligibility and Coverage

Eligibility When STD Begins Percent of Earnings2 Replaced How Long Benefits Are Paid Bi-Weekly Cost
Store, Distribution Center, Artistree Hourly Team Members3  
You must enroll within 31 days after you become eligible or wait until the next Open Enrollment. After 14 consecutive days of disability 60% of your weekly earnings up to the $1,000 weekly maximum. Up to 11 weeks Your annual salary X $.000293
Support Center Hourly Team Members3  
You must enroll within 31 days after you become eligible or wait until the next Open Enrollment. After 7 consecutive days of disability 60% of your weekly earnings up to the $1,000 weekly maximum. Up to 12 weeks Your annual salary x $.000264
Salaried Team Members, Store Managers and Assistant Store Managers3  
You automatically will be enrolled once you become eligible. After 7 consecutive days of disability 60% of your weekly earnings up to the $1,000 weekly maximum. Up to 12 weeks $0
1. The STD benefit will be paid based on your duration of disability. Generally, the duration for maternity disability is up to 6 weeks following a normal delivery and up to 8 weeks following a C-section. The normal elimination period applies, beginning on the date the Team Member’s doctor reports the Team Member is disabled.
2. This is your usual pay rate in effect when you first became disabled. It does not include bonuses, overtime pay, extra benefits or compensation.
3. STD is not available in California, New York, Rhode Island, Massachusetts, Washington or New Jersey.

Pre-Existing Condition Limitation

The Long-Term Disability plan includes a pre-existing condition limitation. You have a pre-existing condition if both 1 and 2 are true:

  1. You received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines, or followed treatment recommendations in the 3 months just prior to your effective date of coverage or the date an increase in benefits would otherwise be available or you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the 3 months just prior to your effective date of coverage or the date an increase in benefits would otherwise be available.
  2. Your disability begins within 12 months of the date your coverage under the plan becomes effective.

Additional Resources

Short-Term Disability Highlight Sheet
How To File a Disability Claim

Filing a Claim

To initiate a life insurance claim, contact Team Member Services at (855) 432-64533

Provider