You work hard to earn your income. But what would happen if an injury or illness kept you from working? Statistics show that a serious chronic illness or disease will disable at least 1 out of every 4 hard-working Americans during their career.1
If it happens to you, you’ll probably get better and return to work after a recovery period, but how would you pay your bills in the meantime? Would you want to borrow money from family or friends while you’re getting well?
CommonSpirit doesn’t want you to suffer financially if a short term disability happens to you. That’s why you now have access to voluntary short-term disability income insurance featuring:
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider of this insurance and what benefits does it offer me?
What is the definition of Disability Coverage?
Why do I need Disability Coverage?
What is the definition of Total Disability?
What is a definition of Recurrent Disability?
When can I enroll?
What is a Waiver of Premium?
Is Pregnancy a Covered Benefit?
Yes, it is treated as any other illness, subject to pre-existing conditions.
Pregnancy that began before coverage started would be considered a pre-existing condition.
Does it cover pre-existing conditions?
How does it work with other insurance?
Can I enroll for this insurance without having to take a medical exam?