Acadia offers Short-Term and Long-Term Disability Insurance. This benefit provides income protection in the event you cannot work due to a covered illness or injury. If elected, the semi-monthly premiums are taken as a post-tax deduction. This allows any benefits you receive to be tax-free. Please reference the rates in your enrollment guide.
You may want to consider whether your state offers a state disability and/or family leave program. Please reach out to your state’s disability office for additional information.
Limitations, Exclusions and Pre-Existing Conditions
Benefits will not be paid out to the employee if the disability occurs due to one of the following:
- A result of a self-inflicted injury
- Not being under the regular care of a doctor when requesting disability benefits
- Involvement in a felony commission, act of war or participation in a riot
In addition to the limitations and exclusions above, disability benefits will also not be paid when pre-existing conditions apply. Pre-existing conditions are illnesses or injuries that are present before your disability insurance began or was renewed. Keep reading below to learn more about pre-existing conditions and how they relate to your disability insurance.
Meet “Henry”
Henry was diagnosed with multiple sclerosis by his primary physician last week. Before that time, Henry had never received care for this condition or experienced long-term symptoms. Henry has worked for Acadia for over two years and is enrolled in disability coverage. His doctor recommended he take some time off work while they work out a treatment plan for Henry. If Henry files a disability claim, will his condition be covered?
Answer: Yes, Henry’s multiple sclerosis is a new diagnosis that he has not had treatment for within the 12-month period leading up to his enrollment in disability coverage or renewal of coverage.
Meet “Caroline”
Caroline has been suffering with chronic migraines for the last few years and has been under different medical treatments from her doctors to mitigate her pain. Since Caroline was hired as an Acadia employee six months ago and enrolled in disability coverage, her migraines have gotten worse, and she is unable to come to work most days. If Caroline files a disability claim, will her condition be covered?
Answer: No, Caroline has been experiencing chronic migraines since before her employment with Acadia. Since she sought out treatment in the 12-month period leading up to her enrollment in disability coverage, this would be considered a “pre-existing condition” and therefore not covered.
Additional details can be found in the plan summary located in UltiPro under the My Company page or you may request more information from Human Resources.
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