Baylor Scott & White Health (2024)

Short-term Disability (STD)

_{Note: Occupational illnesses or injuries are covered under Safe Choice, not STD. CallSafe Choice at 877.415.0005 or go to theSafe Choice Page(log-in required).}

_{Actively at work provision: If you request to elect or increase you or your dependents’ coverage and are not actively at work at the start of the plan year, your coverage changes will not take effect until the date you return to work.}

Pre-existing Conditions*

If you've been diagnosed, treated or received medical advice for a condition within three months of your effective date on the plan, your condition may be excluded for coverage under STD, as detailed below.

• If you enroll as a new hire or because you are newly eligible for benefits:
  The pre-existing condition provision does not apply.
• If you enroll outside of annual enrollment due to a qualifying life event:
  Conditions from the 3 months prior to your effective date would be excluded from coverage for a period of 12 months.
• If you enroll during annual enrollment:
  Any conditions from October to December (prior to the plan’s effective date of January 1) would be excluded from coverage for a period of 12 months.This includes pregnancy.

_{*Applicable if enrollment occurs outside of initial eligibility}

Long-term Disability (LTD)

Basic LTD may pick up where STD leaves off. It pays 50% of your salary, up to $15,000^* a month, starting on the 181^st day of disability. Basic LTD is provided to you at no cost, and you are automatically enrolled.

_{*Other coverage levels are available for certain executive and physician roles and are visible in the PeoplePlace enrollment system.​}

How It Works

• BSW provides basic LTD at no cost to you. You can also buy supplemental coverage (see below).
• LTD benefits continue for as long as you are disabled (must meet certain criteria) or until you reach normal Social Security retirement age.

Certain pre-existing conditions limits might apply.

Supplemental Long-term Disability (LTD)

This optional coverage increases your basic LTD benefit to 60% of your salary, up to $15,000^* a month.

^{*Other coverage levels are available for certain executive and physician roles and are visible in the PeoplePlace enrollment system.​}

How It Works

• LTD premiums are paid through after-tax payroll deductions.
• Enrollment is optional (supplemental LTD coverage is not automatic).
• Like basic LTD, supplemental LTD may begin on the 181^st day of disability.
• Certain pre-existing condition limits might apply.

_{Actively at work provision: If you request to elect or increase you or your dependents’ coverage and are not actively at work at the start of the plan year, your coverage changes will not take effect until the date you return to work.}