Disability Insurance Overview
The loss of income caused by missed work due to illness, injury unrelated to Worker's Compensation, or childbirth can cause serious financial hardship for your family. Disability insurance replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this time.
To learn more about disability coverage and leave programs available to you, click here or contact HR Connect at 855-660-6947.
Disability Insurance Plans
Short-Term Disability (STD)
Mosaic provides company-paid coverage that pays you a disability benefit for up to 180 days.
Long-Term Disability (LTD)
Long-term coverage protects you from the financial impact of an extended disability.
To protect your privacy and medical information, disability plans are administered by New York Life, a third-party insurance company that receives and manages claims and related medical information. To start a disability claim, please contact New York Life.
Short-Term Disability
Mosaic's short-term disability coverage includes:
- Continued pay at a percentage of your regular base wages while you're on an approved disability* leave.
- Automatic, company-paid coverage; no need to enroll.
- Benefits that begin immediately for accidents (0 days) and after 3–5* days for illness or maternity.
- Up to 180 days of benefits for each disability period caused by an accident or illness, starting from the first day of disability.
- Up to 8 weeks of benefits for each disability period related to childbirth, starting from the date the disability begins for all deliveries.
*See short-term disability plan details on the My HR Portal.
Long-Term Disability
Mosaic's group long-term disability coverage includes:
- Automatic, company-paid coverage; no need to enroll.
- Benefits that begin after you have been disabled for 180 days.
- Monthly payments equal to a percentage of your wages, up to a set maximum*, during an approved disability.
Supplemental Long-Term Disability
- You can choose to buy additional LTD coverage to increase your benefit amount, up to a higher monthly maximum*.
- This coverage is optional and paid for by the employee. You may enroll as a new hire or during Annual Enrollment.
- Evidence of Insurability (EOI) is required if you enroll after your new-hire enrollment window has passed.
*See long-term disability plan details on My HR Portal, including the premiums sheet for costs.