Who is Eligible and When

Active associates working a minimum of 30 hours per week are all eligible for coverage. The coverage is effective the first of the month following date of hire.

Benefits Participants Receive

Short-Term Disability

Long-Term Disability

Benefits Begin

7 days after disability 

90 days after disability
Benefits Duration
12 weeks Retirement
Percent of Income Replaced
80% 60%
Maximum Benefit
N/a $10,000 monthly
Pre-Existing Condition Exclusion
N/a 3 prior / 12 after
Monthly Premium Calculation
Company Paid Benefit Company Paid Benefit
Taxability of Benefit
Taxable upon payment Non-taxable upon payment

Pre-existing Condition Exclusion

Long Term Disability would not be paid in the event of a pre-existing condition. Pre-existing conditions exist when:

  • Participant received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 3 months just prior to the effective date of coverage; and
  • The disability begins in 12 months (see above) after effective date of coverage.

Refer to the detailed plan document for more information on coverage and pre-existing conditions.

Complete information on life and AD&D benefits can be found in the Mariner Wealth Advisors, LLC Health Care Plan Summary Plan Description and SPD Supplement on the Annual Notices Page.

Frequently Asked Questions

FAQ - Display Set to None

New Medical cards can be ordered through your online portal at www.mycigna.com. You also have access to a mobile ID card through the MyCigna Smartphone App.

I recently moved, how can I update my address?

Your address can be updated directly through ADP (www.workforcenow.adp.com). After logging in you will go to “Myself” –> “My Information” -> “Profile”. From there you can update all personal information, including your address by clicking on the “View More” icon in the Personal information Section.

After you update your address in ADP, it will update with all benefit providers.

I am getting married, can I add Disability coverage for my new spouse?

Spouses are not eligible for Disability coverage through the Mariner plan.

Do I need to designate a beneficiary?

A beneficiary is not necessary for Disability Insurance.

FAQ - Display Set to None
With the benefit beginning 7 days after the disability occurred, how are the first 5 business days of disability treated?

The 5 business days of the waiting period must be populated with unused PTO.

Is my Domestic Partner Eligible for Disability Insurance Coverage?

Our Disability plan does not allow enrollment for anyone except for the Associate.

I am leaving the plan, when does my coverage end?

Coverage will end the last day you are an active participant on our plan.