Navigate Benefit Information by Year:
Disability insurance is paycheck protection and replaces a portion of your earned income if you are unable to work, on a full or partial basis, because of a non-work-related injury or illness. Operation Smile pays for employees’ Short-Term Disability and Long-Term Disability coverage. The chart below provides a summary of the coverage.
These two benefits are paid 100% by Operation Smile.
Other income benefits: Benefits for which you are eligible for from other income sources will be used as an offset when calculating your payable disability benefit. Examples of other income benefits include a state disability plan or paid medical leave plan, retirement plan benefits, Social Security, and Workers’ compensation.
Pre-existing Condition: If you have a medical condition that begins before your coverage takes effect, and you receive treatment for this condition within the 3 months leading up to your coverage start date, you may not be eligible for benefit for that condition until you have been covered by the plan for 12 months.