What Happens When... You Take a Disability Leave of Absence
Last Modified: Sept. 5, 2013
U.S. Bank understands that a disability due to illness or injury can be difficult, so we provide financial protection for eligible employees and their families. This guide should help you understand the benefits for which you may be eligible.
IMPORTANT: If your leave is for a reason other than disability from illness or injury, please see the "When You Take a Leave of Absence (for reasons other than disability)" guide. This guide addresses disability-related leaves only.
What You Need to Do
Things to Consider
Questions and Answers
What You Need to Do
Here is a list of the things you need to do if you become disabled.
- If your disability is anticipated, notify your supervisor or manager at least 30 days (or as soon as possible) before the date you anticipate beginning your leave.
It is understood that this date may change, but give your manager as much notice as possible. If the leave is unforeseeable, call your manager or supervisor to report your absence on the first day of your leave. You must continue to keep in touch with your manager on a regular basis (at least weekly unless requested to do so more often) while you are out on leave so that your manager can schedule for your absence.
- Initiate Short-Term Disability Benefits, if applicable.
For eligible employees, the Short-Term Disability (STD) Plan replaces a percentage of pay for approved disabilities for a maximum coverage period of up to 26 weeks. The level of STD coverage provided is based on your length of service. See the Short-Term Disability summary plan description on Your Total Rewards for more information about eligibility and benefits. To contact Hartford for additional information, call the U.S. Bank Employee Service Center at 800-806-7009 and say "Leave of Absence and Disability."
By your eighth consecutive calendar day of absence, you must be under a doctor’s care and you must contact Hartford by calling the U.S. Bank Employee Service Center, as stated above. Employees in California, New York, New Jersey, Rhode Island and Puerto Rico must also apply for state disability benefits, which will offset the STD benefits received from U.S. Bank. We will also offset your STD benefits for any other amount that you might receive during this time for Worker’s Compensation, no-fault auto payments, Social Security or claims related to your disability.
Initiate Long-Term Disability Benefits, if applicable.
If your disability is expected to extend beyond the 26-week STD period,*(more details) you will need to work with a The Hartford (our LTD provider) to determine eligibility for LTD, file claims for other disability benefits such as Social Security if appropriate, and coordinate rehabilitation activities. Your STD payments will end at 26 weeks. If you are approved for LTD, you will begin receiving monthly checks from The Hartford. Payments generally continue for as long as you continue to be approved for benefits and comply with all the requirements of the plan. To reach The Hartford, call 800-863-5166.
Through Your Total Rewards you can view your current benefit elections and verify your current coverage level.
*The waiting period for employees classified as 100% commission is 90 days rather than 26 weeks. 100% commission employees are not eligible for STD.
Once you are released to return to work during STD or LTD,
notify The Hartford and your manager/supervisor of your expected return date. Your manager must report your return to work via Manager Self Service
and select the Return to Work Option (for either a full-time or part-time release). This return to work should only be done on the day that you physically return to work. If you are on STD and will be continuing on an unpaid FMLA and/or state leave (i.e. maternity leave), your manager should not process your return until you physically return from your entire leave. Plus, your manager must report any vacation time that you may be taking during the unpaid portion of your leave to Payroll via email or by faxing timecards (time transmittal will not work while you are on a leave of absence). Any questions with this process should be referred to Payroll to ensure that you are paid correctly.
Things to Consider
U.S. Bank Benefits
- See the Situations That Affect Your Coverage sections of applicable summary plan descriptions on Your Total Rewards for specifics about how your U.S. Bank benefits will be affected by becoming disabled.
- Please consult the Short-Term and Long-Term Disability Summary Plan Descriptions on Your Total Rewards for detailed information about the U.S. Bank STD and LTD plans.
- If you have a question about your claim, call the U.S. Bank Employee Service Center at 800-806-7009 between 8 a.m. and 6 p.m. CT, Monday through Friday, except holidays. Say "Leave of Absense."
- If your disability is due to a chronic condition, you may be eligible for support through Healthways.
Vacation accrual is generally not interrupted for short-term disability leaves of absence because vacation accruals continue for the first 90 days of any leave.
U.S. Bank 401(k) Savings Plan
- While you are receiving short-term disability benefits, your contributions to the 401(k) Savings Plan will continue. If you are eligible to receive the employer matching contribution, it will be posted to your account in January of the following year.
- If you are on an unpaid short-term disability, your contributions to the 401(k) Savings Plan will cease. They will automatically resume when you return to work. If you are eligible to receive the employer matching contribution, it will be posted to your account in January of the following year.
- If you have an outstanding loan and you are on an unpaid disability leave, call the U.S. Bank Employee Service Center at 800-806-7009 and select the 401(k) Savings Plan option for payment instructions.
- If you begin receiving long-term disability benefits under the U.S. Bank Long-Term Disability Program, your 401(k) Savings Plan contributions will cease. If you are eligible to receive the employer matching contribution, it will be posted to your account in January of the following year.
- Special rules may apply if you have an outstanding loan balance at the time you begin receiving Long-Term Disability benefits. Call the U.S. Bank Employee Service Center at 800-806-7009 and say "401(k)" for more information on how this applies to your situation.
U.S. Bank Pension Plan/U.S. Bank 2010 Cash Balance Plan
If you have questions about how your leave may affect your eligibility or vesting in the Pension Plan, contact the U.S. Bank Employee Service Center at 800-806-7009 and say "Pension" for specific information.
All stock option plans have specific guidelines and deadlines for action if you begin receiving Long-Term Disability benefits. Specifically, your stock options may expire early. For information about stock options you have been granted, refer to your stock option agreement(s). It is your responsibility to keep track of your options and the specific dates they will expire or cancel. For more information, log on to www.BenefitAccess.com or call Morgan Stanley Smith Barney at 877-636-7495. For more general information, see the Stock Option Information.
U.S. Bank Retiree Health Care Program
While you are receiving short-term disability benefits, you will be eligible to earn retiree health care credits, if all other eligibility criteria are met.
You will not accumulate retiree health care credits for any year in which on the last day of the year you are receiving long-term disability benefits under any long-term disability plan sponsored by U.S. Bancorp. If you accumulated retiree health care credits previously, however, you will retain those credits while you receive long-term disability, and the credits will continue to earn interest.
LifeWorks Employee Assistance Program
LifeWorks is designed to provide helpful solutions to everyday questions as well as step in when problems grow unmanageable. It provides useful information and confidential counseling on numerous topics including health and wellness, parenting, financial management, consumer resources and emotional well-being. U.S. Bank provides this benefit free of charge to you as an employee. Access LifeWorks online at www.lifeworks.com (user ID: usbank, password: 5960) or call LifeWorks at 800-884-4720.
Questions and Answers
Q. How are STD and LTD payments made? How does this affect my benefit contributions?
A. STD benefit payments are paid through the U.S. Bank payroll system - in the same manner (direct deposit or actual check) as your normal semi-monthly pay. This enables you to continue your U.S. Bank benefit (for example, Health Care, Dental Care, etc.) and 401(k) Savings Plan contributions while on disability. Other regular deductions and taxes - such as United Way, 401(k) loan payments, income tax, and Social Security tax withholdings - will also continue. If you are on an unpaid STD leave, your benefit premiums will normally go into arrears for the first 90 days of that leave. After that time, you will normally be billed for the amount owed.
Long-Term Disability pay is not eligible for 401(k) contributions. While you are on LTD, The Hartford will send you a monthly check. You will be billed monthly at active employee rates for applicable U.S. Bank health and welfare benefit payments. You will also have the option of setting up a deduction directly from your checking account to ensure timely payments. You may also want to carefully review your paycheck for other deductions - such as United Way or voluntary insurance programs - that will not continue when The Hartford issues your monthly checks.
Q. Am I eligible for STD or LTD benefits if I am on unpaid leave of absence at the time I become disabled?
A. You will be eligible for STD and/or LTD if you are on an unpaid, approved FMLA leave. For additional information see the Life Event Guide, "What Happens if I Take an FMLA or State Leave". In all other instances, you will NOT be eligible for STD or LTD if you are on an unpaid absence. That includes a day out with no pay or an unpaid leave, such as Personal Leave. Your eligibility for STD or LTD begins again when you return to active employment.
Q. Can my STD or LTD benefits be stopped or denied?
A. Yes. See the Termination of Benefit Payments section of the STD summary plan description or LTD summary plan description on Your Total Rewards.
Q. If I am going to give birth to a baby, how will my time away from work be classified?
A. All or part of a woman's pregnancy-related leave may be classified as a disability leave, as well as FMLA and/or state leave. For additional information see the Life Event Guide, "What Happens if I Take an FMLA or State Leave". Determination of pregnancy-related disability benefits, including the length of time benefits will be paid, is made in the same manner as all other illness-related disabilities. Normally, you will be eligible for STD up to two weeks prior to the baby’s due date, as well as eight weeks of STD after the birth, without any additional medical support. If you are pregnant and eligible for disability coverage, you must comply with all the rules and responsibilities of the disability program as described in the STD and LTD summary plan descriptions on Your Total Rewards.
See the "When You Have a Baby or Adopt a Child" guide for more important information.
If there are differences between the information contained on this site and the official plan/program documents, the official plan/program documents will govern.