All eligible Belkin employees outside of California are automatically enrolled in the Core STD plan, which aligns with the California State Disability Insurance (SDI).
California Employees: Short-term disability is provided for employees working in the State of California through the Employment Development Department (EDD). You will see a deduction from your paycheck labeled “SDI/UC Tax.” If you have questions about California SDI, contact the EDD. The EDD will decide if you are eligible for benefits and at what amount.
New York and New Jersey Employees: Short-term disability coverage is provided for all employees working in the states of New York and New Jersey and covered under the New York Statutory Benefits Law and New Jersey Temporary Disability Insurance Law, respectively.
A voluntary employee-paid short-term disability plan covers additional earnings if you become sick or disabled for more than seven days. If you do not elect this coverage when you first become eligible, you will need to complete Evidence of Insurability (EOI).
All eligible Belkin employees are automatically enrolled in the Core LTD plan. Belkin pays 100% of the cost for this coverage.
You may choose to purchase the LTD Buy-Up plan if your base annual earnings are more than $100,000. If you do not elect this coverage when you first become eligible, you will need to complete Evidence of Insurability (EOI).
| Coverage | Benefit |
|---|---|
| Core STD (Non-CA Only) | 55.00% of your weekly earnings to a $1,620 maximum for 26 weeks. Benefit begins after 7 days of disability. |
| Buy-up STD | 66.67% of your weekly earnings to a $2,000 maximum for 26 weeks. Benefit begins after 7 days of disability. |
| Core LTD | 60% of your monthly earnings to a $5,000 maximum. Benefit begins after 180 days of disability and payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. Certain exclusions as well as pre-existing condition limitations may apply. |
| Buy-up LTD | 60% of your monthly earnings to a $20,000 maximum. Benefit begins after 180 days of disability. |
Your Belkin disability benefits will be coordinated with any wage continuation or other disability income received due to the same or related disabling condition, including available state disability benefits, Social Security disability benefits, or Workers’ Compensation. Please refer to your certificate of insurance for additional information regarding other income.
Cost of Buy-up STD and Buy-up LTD
If you select to purchase Buy-Up STD or Buy-Up LTD coverage, you will pay the following amounts:
Buy-Up STD Monthly Rates (per $10 of Weekly Benefit basis)
| Age | CA Rate | Non-CA Rate |
|---|---|---|
| Age 0-24 | $0.040 | $0.080 |
| Age 25-29 | $0.040 | $0.080 |
| Age 30-34 | $0.040 | $0.080 |
| Age 35-39 | $0.040 | $0.080 |
| Age 40-44 | $0.040 | $0.080 |
| Age 45-49 | $0.045 | $0.095 |
| Age 50-54 | $0.045 | $0.095 |
| Age 55-59 | $0.060 | $0.120 |
| Age 60-64 | $0.080 | $0.140 |
| Age 65-69 | $0.100 | $0.160 |
| Age 70+ | $0.100 | $0.160 |
Buy-Up LTD Monthly Rate (per $100 of Monthly Covered Payroll)
| All | $0.190 |
|---|