Disability Coverage

The disability benefits through Inspira Health can provide you with income replacement if you cannot work due to a non-work-related injury or illness.

Basic Long-Term Disability Insurance

Inspira Health provides all full and part-time employees with Basic Long-Term Disability Insurance at no cost. After 180 days of disability due the same illness or injury, you may apply for Long-Term Disability benefits. If approved, you can receive 50% of your annual salary up to a maximum of $2,500 per month. Benefits are generally payable for up to 24 months for each disabling illness or injury.

After 24 months, you may still be considered disabled if (solely due to the same illness or injury) you are unable to perform your current or equivalent job and are unable to earn 60% or more of your indexed earnings. To be eligible to receive Long-Term Disability benefits for a longer period of time, you must provide proof of earnings and continued disability.

Supplemental Long-Term Disability Insurance

You may purchase Supplemental Long-Term Disability coverage to increase the benefit amount you receive in the event of an extended illness or injury that prevents you from working. If elected, you will be eligible for a disability benefit of 60% of your annual salary, to a maximum of $10,000 per month. Additional features include continuation of benefit coverage upon termination of employment, and waiver of premiums after the elimination period.

Employees who enroll in this benefit after their initial eligibility period will be required to provide Evidence of Insurability.

Pre-Existing Conditions:

Benefits are not payable for medical conditions for which you incurred expenses or services (or for which a reasonable person would have consulted a physician) up to three months prior to enrolling in insurance for Long-Term Disability and 12 months for Short-Term Disability.

Benefits are not payable for any disability resulting from a pre-existing condition, unless the disability occurs after you have been insured under this plan for at least 12 months after your most recent effective date of insurance.