Smokey Bones Online Benefits Information

DISABILITY

Eligibility: If you are a Full Time Salaried Employee working 30+ hours per week you are eligible for Short-Term Disability (STD) insurance after 1 Year of Service.

CIGNA’s Short-Term Disability Insurance can pay you a percentage of your gross weekly salary if you cannot work due to a covered injury or illness.

Please note that Smokey Bones offers you short-term disability on a 100% voluntary basis.  Any benefits received will be offset by applicable state-mandated benefits.

Elimination Period: If your disability is the result of a covered accident or illness that occurs while you are covered under the plan, your elimination period is seven (7) days. If your disability is the result of a hospitalization that occurs while you are covered by the plan, your elimination period is zero (0) days.

Coverage Amount is as follows:

  • At least 1 year of service, but less than 2 years of service = 100% of covered earnings for 30 days, then 66.67% of covered earnings for 60 days
  • At least 2 years of service, but less than 3 years of service = 100% of covered earnings for 60 days, then 66.67% of covered earnings for 30 days
  • 3 years or more of service = 100% of covered earnings for 90 days

Claims processing may take a minimum of two weeks to process payment. Contact your HR department for details about the Short-Term Disability application process and when to file a claim.

Our Short-Term Disability carrier has been contracted to review all disability requests for approval. To be eligible to receive payment through the program your disability must first be approved by CIGNA.

CIGNA’s Long-Term Disability Insurance can pay you a percentage of your gross monthly salary if you cannot work due to a covered injury or illness.

Please note that Smokey Bones offers you long-term  disability on a 100% voluntary basis. The cost of this benefit varies based on firestarter salary. Any benefits received will be offset by applicable state-mandated benefits.

Elimination Period: After 90 consecutive days of disability

Amount of coverage: 66 2/3% of your earnings prior to disability in the previous calendar year, up to a maximum of $15,000 or $9,500 dependent on class.

Maximum Benefit Period: Your duration of benefits is based on your age when the disability occurs. Your LTD benefits are payable for the period during which you continue to meet the definition of disability. Your benefits will be payable until you reach normal retirement age.

Additional Information-click on link(s) below:

How to file for disability
Request for Short Term Disability Leave

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