Disability

Bloomin' Benefits 5 Benefits 5 Disability

Disability Insurance

Coverage Highlights

Disability insurance provides important partial replacement of lost income when you are unable to work due to an illness or injury.

  • Short-Term Disability (STD) insurance begins to pay benefits on the 8th day of disability resulting from a non-work related illness or injury. After 180 days of disability, Long-Term Disability (LTD) insurance takes over.
  • Salaried Team Members are automatically enrolled in Core coverage and have the option to select a Buy-Up coverage.
  • Core benefits begin on your hire date, or the first day you are actively at work if later. Buy-Up coverage begins on your benefits effective date.

Note: Disability insurance won’t pay benefits for a pre-existing condition until you have been covered for 12 months. A pre-existing condition is defined as any condition you received treatment for in the six (6) months preceding your coverage effective date.

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Core Short-Term Disability (STD) Insurance

Core Short-Term Disability (STD) insurance pays a benefit in the event you become disabled due to a non-work related illness or injury, including disabilities related to pregnancy and childbirth. Benefits are payable only for the period of time you are deemed disabled.

Core vs. Buy-Up LTD Coverage Comparison

Plan DetailsCore LTDBuy-Up LTD
Salary40% of your base salary up to $750 weeklyAdditional 20% of your base salary replaced up to $2,000 weekly (Core + Buy-Up)
When benefits beginBenefits begin after 7-day waiting periodBenefits begin after 7-day waiting period
What you payBloomin’ Brands pays the full costYou pay the cost difference for Buy-Up via payroll deduction
TaxableBenefits are 100% taxableBenefits are 100% taxable
EnrollmentYou are automatically enrolled when first eligible, with no questionnaire requiredEnroll when first eligible without medical questionnaire, or enroll during open enrollment and a questionnaire will be required; May cancel only during Annual Enrollment

Core Long-Term Disability (LTD) Insurance

Core Long-Term Disability (LTD) pays a benefit in the event your disability continues beyond 180 days, and it includes coverage for work-related injury or illness.

Core vs. Buy-Up LTD Coverage Comparison

Plan DetailsCore LTDBuy-Up LTD
Salary40% of your covered base salary and performance bonus up to $1,500 monthlyAdditional 20% of covered base salary and performance bonus up to $15,000 monthly (Core + Buy-Up)
When benefits beginBenefits begin after 180-day waiting periodBenefits begin after 180-day waiting period
What you payBloomin’ Brands pays the full costYou pay the cost difference for Buy-Up via payroll deduction
TaxableBenefits are 100% taxableBenefits are 100% taxable
EnrollmentYou are automatically enrolled when first eligible, with no questionnaire requiredEnroll when first eligible without medical questionnaire, or enroll during open enrollment and a questionnaire will be required; May cancel only during open enrollment

Buy-Up Disability Insurance

You have the option to add Buy-Up STD and/or LTD insurance. Use the information below to learn more and calculate your Buy-Up premium(s) based on your pay.

Buy-Up STD

The optional Buy-Up STD plan offers you the opportunity to enhance your coverage by electing to change your gross weekly benefit to 60% of covered earnings per week and to change your maximum weekly benefit amount to $2,000.

Buy-Up LTD

This optional Buy-Up LTD plan offers you the opportunity to enhance your coverage by electing to change your gross monthly benefit to 60% of covered earnings per month and to change your maximum monthly benefit amount up to $15,000.

Evidence of Insurability (EOI)

If you elect Buy-Up coverage when you are first eligible, you will be able to enroll without having to provide evidence of your good health, or Evidence of Insurability (EOI).

If you don’t enroll when you are first eligible, you can enroll during a future annual open enrollment period, but you will need to complete an Evidence of Insurability (EOI) Form provided by New York Life. Your Buy-Up coverage will not begin until New York Life approves your election.

Plan DetailsSTD Buy-UpLTD Buy-Up
Amount of your earnings replacedBase Salary replaced: Additional 20% to a $2,000 maximum (Core + Buy-Up) weekly benefitAdditional 20% up to $15,000 maximum (Core + Buy-Up) monthly benefit
Period of disability before benefits begin7 days180 days
CostYou pay the cost difference between Buy-Up and core via payroll deductionYou pay the cost difference between Buy-Up and core via payroll deduction
Benefit taxationtaxabletaxable
EnrollmentMay enroll when first eligible; may enroll or cancel during annual open enrollmentMay enroll when first eligible; may enroll or cancel during annual open enrollment

Additional Information

If you receive other income as a result of your disability (for example, from workers’ compensation or Social Security Disability), your Long-Term Disability benefit will be reduced by the amount you receive from other sources.

Survivor benefit: Should you die while receiving Long-Term Disability benefits, your survivor will be paid an amount equal to 3 months of your LTD benefit in effect (before reductions for other income) at the time of your death.

Social Security assistance: New York Life Insurance Group Benefits Services (New York Life) may provide assistance with applying for Social Security Disability Income (SSDI) Benefits.

Calculate Your Need for Supplemental Coverage

Use the calculator below to determine whether you should elect Buy-Up coverage.

Vida en Nueva York

Soluciones de beneficios de New York Life Group (NYL GBS)

Vida, AD&D e Invalidez

Información de contacto

Asistencia general: 1-888-842-4462
Centro de tramitación de EOI: 1-866-607-2360

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