Disability Insurance

The Family Medical Leave Act (FMLA) entitles qualified team members up to 12 weeks of leave per year for the birth or adoption of a child, to care for a spouse or an immediate family member because of a serious health condition, or for certain military related situations. Team members are eligible if they have worked for Corewell Health for at least one year and worked 1,250 hours over the previous 12 months.

Short-term disability is intended to provide you income replacement following a serious illness or injury that is not work-related, if eligible, it is the benefit you can expect to receive from disability date, up to 26 weeks.

If disability continues past 26 weeks, you may move to long-term disability, if approved by Prudential. No one expects to need time off work for a disability, for that reason, Corewell Health invests in this benefit on your behalf to ensure you have income replacement available when you may need it most.

Core short-term disability benefit - provided by Corewell Health

Individual contributors:

• 60% income replacement from days 8, up to 26 weeks*
• You are eligible for this benefit the first of the month following date of hire or date of your status change*.
• Once eligible, you must satisfy a 7-calendar-day waiting period for this benefit to begin.
• PTO can be used for the 7-day waiting period, but is not required to be used. PTO will automatically be paid, unless you request to not be paid.

Managers, advisors & supervisors:

• 100% income replacement for days 8-60 and then 60% income replacement for days 61 on, up to 26 weeks
• You are eligible for this benefit the first of the month following date of hire or date of your status change*.
• Once eligible, you must satisfy a 7-calendar-day waiting period for this benefit to begin.
• PTO can be used for the 7-day waiting period, but is not required to be used. PTO will automatically be paid, unless you request to not be paid.

Physicians, residents, fellows, APPs, advanced clinicians, executives, directors & principals:

• 100% income replacement for up to 26 weeks
• You are eligible for this benefit, date of hire or date of status change.
• Once eligible, there is no waiting period for this benefit.

*Team members within a union role at AFSCME Dearborn LTC have a variation in benefit based on current union agreement, benefit is 50% income replacement up to $400 weekly benefit. See union agreement for more details.

Income for disability benefits for physicians, residents, fellows and/or commission based Priority Health team members is the greater of current base salary OR prior year W2, whichever is greater.

Things to know:

• Payment for short-term disability benefit is received through your normal paychecks and is considered taxable income.
  
• Any benefit deductions will continue to be taken from your short-term disability pay as your benefits continue through your disability leave.
  
• If you are not receiving 100% income replacement from this benefit, you may supplement with paid time off (PTO) to receive full pay.
  
• This benefit continues for up to 26 weeks (182 days).
  

Long-term disability is intended to provide you income replacement following a serious illness or injury that is not work-related, that extends beyond the time within short-term disability limits. 

If disability continues past 26 weeks, you may move to long-term disability, if approved by Prudential. No one expects to need time off work for a disability, for that reason, Corewell Health invests in this benefit on your behalf to ensure you have income replacement available when you may need it most.

Benefits under LTD begin after you have met the definition of disability for greater than 182 days.

Coverage: 50% salary* up to $10,000/month, covers annual earnings up to $240,000/year.

• Physicians, residents, fellows: 60% salary* up to $15,000/month, covers annual earnings up to $300,000/year. Includes own-occupation, specialty coverage.

• Executives, directors, principals: 60% salary* up to $30,000/month, covers annual earnings up to $600,000/year.

*Income for disability benefits for physicians, residents, fellows and/or commission based Priority Health team members is the greater of current base salary OR prior year W2 whichever is greater.

These buy-up LTD options allow you to have a greater percent income replacement in the event of disability. These buy-up plans also cover annual earnings at a higher level. You pay for the buy-up plans. Your buy-up LTD insurance costs are deducted from each payslip.

Benefits under LTD begin after you have met the definition of disability for greater than 182 days. If you chose not to buy-up, your benefit will be the benefit provided under the core LTD benefit.

Team members:

• You pay for this benefit
• 60% income up to $15,000/month
• Covers annual earnings up to $300,000
• Deductions are taken pre-tax, LTD benefits become taxable when paid out 

Physicians, residents, fellows: 

• You pay for this benefit 
• 66 2/3% income up to $25,000/month 
• Covers annual earnings up to $450,000 
• You have the choice to deduct your premiums on a pre-tax or post-tax basis
• Includes own-occupation, specialty coverage
  
• Additional benefits under this buy-up LTD plan: cost of living adjustments, payments will increase by 3%, not to exceed 10 increases while receiving disability payments. 
  

Executives, directors, principals: 

• No buy-up option available