RCUH Policies and Procedures
of the University of Hawai‘i
3.570 RCUH Long-Term Disability Insurance
It is the policy of the RCUH to provide Long-Term Disability Insurance (LTDI) benefits to its employees and with the necessary information to enroll. Long-Term Disability Insurance provides partial income to assist employees who are “disabled” for ninety (90) days or more because of an illness or injury.
A. RCUH Employee
1. Initial enrollment for eligible employees is automatic.
2. Contact RCUH Human Resources to file a claim for Long-Term Disability Insurance.
B. Principal Investigator
1. Cost of this benefit is provided from the project. See RCUH Fringe Benefit Schedule for the cost.
This policy applies to regular-status employees at 75% FTE or more. LTDI benefits are not available to non-U.S. citizens working outside of the United States or Canada.
IV. Details of Policy
A. Long-Term Disability Insurance Benefit Coverage
1. Maximum Benefit: 60% of the employee’s pre-disability earnings, not to exceed $15,000 per month.
2. Minimum Benefit: $100.
3. Maximum Benefit Period: Determined by the employee’s age when disability begins, as stipulated in the Group Insurance Certificate and Summary Plan Description.
4. See the Benefits-at-a-Glance brochure for more information Benefits-at-a-Glance for employees earning less than $8,000/month Benefits-at-a-Glance for employees earning more than $8,000/month
B. Other Life Insurance Features and Services
1. Assisted Living Benefit: This is an additional benefit, which when added to the LTDI benefit provides income replacement equal to 80% of Indexed Pre-disability
Earnings. To qualify, disabled employees must be suffering from a catastrophic disability expected to last ninety (90) days or more.
2. Return-to-Work Incentive: Provides employees with an incentive to return to work by enabling them to earn up to 100 percent of their pre-disability income through a combination of monthly benefits and work earnings during the first twelve (12) months after returning to work.
3. Reasonable Accommodation Expense Benefit: Reimburses employers up to $25,000 for approved worksite modifications that are made on behalf of a disabled employee and enable the employee to return to work.
4. Temporary Recovery: Allows employees who suffer a relapse and become disabled again from the same cause or causes to reopen their claims without serving a new benefit waiting period.
5. Rehabilitation Plan Benefit: Subject to the prior approval of The Standard Insurance Company, this benefit pays some or all expenses incurred by employees for approved training and education, family care, and job-search and other job-related expenses that support a return to work.
6. Employee Assistance Program (EAP): An Employee Assistance Program (EAP) is provided to all employees covered by the LTDI plan. Services include legal and financial counseling, including up to three (3) face-to-face assessment and counseling sessions. See the Bensinger, DuPont & Associates (BDA) Brochure and review the following flyers, as applicable, for more information on the types of services that our EAP provides:
a. 20 Ways the EAP Can Help
b. Child and Elder Care
c. Convenience Services
d. Coping with Suicide
e. Cyber Bullying
f. Dealing with Debt
h. Eldercare Across the Miles
i. Financial Counseling
j. ID Theft and Fraud Resolution Program
k. Legal Assistance Services
l. Employee Management Consultation Services
m. Managing Caregiver Stress
n. Rethinking your Drinking
o. Stress Management
p. Thinking About Counseling
q. Tips for Parenting Teens
r. Trauma Management
s. Work Life Services
C. Participation in Group Long-Term Disability Insurance Is Automatic – Participation in this benefit begins automatically on the first day of the month following the employee’s date of hire. The employee must be actively at work on the day before the scheduled effective date of insurance unless the employee
1. Is capable of active work on that day but is absent due to vacation, holiday, or scheduled day off; and
2. Was actively at work on the last scheduled workday before the absence.
D. Termination of Group Long-Term Disability Insurance
LTDI will end automatically on the earliest of the following dates:
1. The date the policy terminates; or
2. The date the employee’s employment terminates; or
3. The date the employee ceases to be a member. However, if the employee ceases to be a member because the employee is not working the required minimum number of hours, the employee’s insurance will be continued during the following periods, unless it ends on one of the dates shown above:
a. While receiving paid vacation or sick leave,
b. While the employee is disabled before the beginning date and while benefits are payable;
c. During a leave of absence if continuation of insurance under the policy is required by the Family and Medical Leave Act;
d. During any other leave of absence approved by the RCUH in advance and in writing and scheduled to last one (1) pay period or less, or
e. During periods of approved leave under workers’ compensation status.
E. Reinstatement of Group Long-Term Disability Insurance – If the employee’s GLTDI coverage is cancelled, the employee may become insured again as a new member. However, if the insurance ends because the employee ceases to be a member, and if the employee becomes a member again within six (6) months, the employee shall be reinstated with coverage on the first day of the month following the date the employee returns to the eligible class.
F. LTDI and Sick Leave – See Policy 3.640 RCUH Sick Leave
1. Sick leave shall not be earned and accrued on time off while receiving LTDI
2. If LTDI Benefits are Paid: Accumulated sick leave may be used up through the date an employee qualifies to receive long-term disability benefits.
3. Programs approved by RCUH Human Resources may supplement long-term disability benefits with sick leave of up to 100% of the employee’s full pay.
G. Cost of GLTDI Benefit Is Paid for by the Project – The premiums for this benefit are paid in full by the project from which the employee’s salary is paid. See RCUH Fringe Benefits Schedule for the cost of Group Long-Term Disability Insurance.
H. Group Long Term Disability Insurance Plan Management – The RCUH provides employees with Long-Term Disability Insurance (LTDI) through The Standard Insurance Company. This policy statement provides an overview of the RCUH’s LTDI policy. The actual administrative terms and conditions and eligibility specifications are outlined in the Group Certificate of Insurance and Group Policy document. Employees may request a copy from the RCUH Human Resources Department. It is important to consider this policy as merely an overview of the actual terms and conditions of a specific provider contract.
I. GLTDI Benefit Plan Is Subject to Change or Termination – The RCUH may change its Group Certificate of Insurance/Group Policy and/or benefit provider. This policy may be modified or terminated at the discretion of the RCUH Board of Directors or Executive Director.
A. Procedures for Initial Enrollment – Eligible employees are enrolled automatically in
the GLTDI benefit.
B. Procedures for Filing a Long-Term Disability Claim – Employee must contact RCUH Human Resources for the claim forms.
RCUH Benefits: (808) 956-6979
VII. Relevant Documents
Benefits-at-a-Glance for employees earning less than $8,000/month Benefits-at-a-Glance for employees earning more than $8,000/month Policy 3.640 RCUH Sick Leave
Policy 3.510 RCUH Fringe Benefit Schedule
The Standard Insurance Company
Bensinger, DuPont & Associates (BDA) Brochure 20 Ways the EAP Can Help
Child and Elder Care
Convenience Services Coping with Suicide Cyber Bullying Dealing with Debt Depression
Eldercare Across the Miles
ID Theft and Fraud Resolution Program
Legal Assistance Services
Employee Management Consultation Services Managing Caregiver Stress
Rethinking your Drinking
Thinking About Counseling
Tips for Parenting Teens
Work Life Services
Date Revised: 4/25/17