Disability

If you are on Workers’ Compensation, you must make monthly premium payments, at the rate paid by active employees, to stay covered under the Plan. Payments are not deducted from your Workers’ Compensation check, so it is your responsibility to send timely payments directly to the Plan.

While you are collecting Workers’ Compensation, you are not eligible to receive short-term disability benefits from the Plan. However, you are eligible to apply for long-term disability benefits six months after your injury. Any long-term disability benefit you receive will be reduced by your Workers’ Compensation and other forms of income. For many reasons, it is to your advantage to apply for long-term disability benefits. Call the Health & Welfare Plan office if you have any questions.

If you suffer a work-related injury, you are not eligible for short-term disability benefits. However, if you suffer a work-related injury and are denied Workers’ Compensation, you are eligible to apply for the Weekly Disability Subrogation Agreement. You can also apply for long-term disability benefits six months after your injury. For more information, see the "If You Become Disabled" section on the Life Events page.