Disability insurance protects your income by financially supporting you and your family when you are unable to work. We partner with MetLife to provide this coverage. Starting January 1, 2025, benefit-eligible employees will receive company-paid Short-Term Disability coverage at 50% of their weekly earnings (up to $1,500). You also have an option to enroll in an employee paid buy-up plan to increase the benefit coverage to the max of 60%.

Click the options below for more information and reference the rates in your enrollment guide.

Acadia now offers an employer-paid short-term disability (STD) benefit at 50% of an employee’s weekly earnings up to the maximum of $1,500.

Employees also have the option to buy-up an additional 10% at their own cost, to increase the benefit coverage to the max of 60% of your pre-disability income for up to 11 weeks. If participating in the buy-up option, pre-existing condition limitations will apply. See below for more information on what qualifies as a pre-existing condition. Once you are approved, you will receive benefits on the 15th day of injury or illness.

Acadia also offers Long-Term Disability (LTD) insurance for you to elect at discounted group rates. Once you are approved, you will receive benefits on the 91st day of disability. This plan pays 60% of your pre-disability income:

  • Up to a $5,000 monthly benefit for employees making less than $100,000
  • Up to a $10,000 monthly benefit for employees making $100,000 or more

The plan will pay you benefits for the duration of an approved disability to age 65 or Social Security Normal Retirement Age, whichever is later.

Benefits will not be paid for disability due to: (1) a result of a self-inflicted injury, (2) not being under the regular care of a doctor when requesting disability benefits, or (3) involvement in a felony commission, act of war or participation in a riot. Additional details can be found in the plan summary located in UltiPro under the My Company page or you may request from Human Resources.

Resources

Guide to Disability and Absence Reporting

Pre-Existing Condition Limitation

A pre-existing condition exclusion period is a window of time, after your disability plan takes effect, when a pre-existing condition (or multiple pre-existing conditions) will not be covered by the plan. This means that if any condition you receive medical attention for in the three months before your coverage begins results in a disability during the first 12 months after your coverage begins, this disability would not be eligible for a benefit payout under your plan.

The following plans have pre-existing condition exclusions:

  • The voluntary buy-up STD plan
  • Both voluntary LTD plans

Examples of Pre-Existing Condition Limitation:

  • Sarah elected the voluntary buy-up STD during Open Enrollment, effective January 1, 2025. She discovered she was pregnant in November of 2024. Because she was pregnant in the three-month window prior to her effective date, she will not receive the additional 10% benefit.
  • Felicia elected the voluntary buy-up STD during open enrollment. Four months later, she discovers she is pregnant. Because the date of conception was after the policy effective date, her pregnancy would be covered and would not be subject to the pre-existing condition exclusion.
  • John elected the voluntary buy-up STD as a new hire, effective June 1, 2025. The weekend before his effective date, he falls off his ladder at home and breaks both his arms. Because this incident occurred in the three-month window prior to his effective date, he will not receive the additional 10% benefit.

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