Cigna Short Term and Long Term Disability


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

$3,000 weekly $15,000 monthly

Pre-Existing Condition Exclusion

3 prior / 6 after 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

Short and 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 the 6 or12 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 disability benefits can be found in the Mariner Wealth Advisors, LLC Health Care Plan Summary Plan Description and SPD Supplement on the Annual Notices Page.