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.

To give you and your family peace of mind if you’re unable to work for an extended period of time, Corewell Health provides you with Long-Term Disability coverage for a percentage of your salary.

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.

Corewell Health provides you with an STD plan to protect you financially if you are unable to work due to an illness or injury that is not work related, including maternity leave. STD is a core benefit, given to all eligible team members at no cost to you. Benefit begins first day of the month after hire (part-time employees must wait 6 months after benefit begins before submitting claims).

East Team Members:

• 60% income replacement for up to 26 weeks
• Benefit begins the first of the month following the date of hire or status change.
• If you are a full-time team member (72-80 hours per pay period) – you are eligible for this benefit on the first of the month following the date of hire or status change.*
• *Full-time, exempt team members will receive 100% income replacement for the first 60 days of eligible leave; day 61 and after will be paid at 60%.
• If you are a part-time team member (40-71 hours per pay period) – benefits are only payable for disabilities that are incurred on or after you satisfy your eligibility waiting period of 26 weeks (6 months) of employment.
• 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.

West, South, and Priority Health Team Members:

• 70% income replacement for up to 26 weeks
• You are eligible for this benefit on the first of the month following the date of hire or status change.
• Once eligible, there is a waiting period of 26 weeks (6 months) of employment.
• In the event of an eligible disability, 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, executives, directors and/or principals **:

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

Resident and fellows:

• 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. 

**Certain non-paid time off (PTO) accruing advanced practice provider, AAPs, NPs and PAs employed at Corewell Health South are eligible for the 100% STD benefits.

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.

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