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.
(blank)
Short-Term Disability (STD) Insurance
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 STD Coverage Comparison
Are you using a device with a small screen?
Tap or click the content below and scroll to access all the information.
| Plan Details | Core STD | Buy-Up STD |
|---|---|---|
| Salary | 40% of your base salary up to $750 weekly | Additional 20% of your base salary replaced up to $2,000 weekly (Core + Buy-Up) |
| When benefits begin | Benefits begin after 7-day waiting period | Benefits begin after 7-day waiting period |
| What you pay | Bloomin’ Brands pays the full cost | You pay the cost difference for Buy-Up via payroll deduction |
| Taxable | Benefits are 100% taxable | Benefits are 100% taxable |
| Enrollment | You are automatically enrolled when first eligible, with no questionnaire required | Enroll when first eligible without medical questionnaire, or enroll during open enrollment and a questionnaire will be required; May cancel only during Annual Enrollment |
Long-Term Disability (LTD) Insurance
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
Are you using a device with a small screen?
Tap or click the content below and scroll to access all the information.
| Plan Details | Core LTD | Buy-Up LTD |
|---|---|---|
| Salary | 40% of your covered base salary and performance bonus up to $1,500 monthly | Additional 20% of covered base salary and performance bonus up to $15,000 monthly (Core + Buy-Up) |
| When benefits begin | Benefits begin after 180-day waiting period | Benefits begin after 180-day waiting period |
| What you pay | Bloomin’ Brands pays the full cost | You pay the cost difference for Buy-Up via payroll deduction |
| Taxable | Benefits are 100% taxable | Benefits are 100% taxable |
| Enrollment | You are automatically enrolled when first eligible, with no questionnaire required | Enroll 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.
Are you using a device with a small screen?
Tap or click the content below and scroll to access all the information.
| Plan Details | STD Buy-Up | LTD Buy-Up |
|---|---|---|
| Amount of your earnings replaced | Base Salary replaced: Additional 20% to a $2,000 maximum (Core + Buy-Up) weekly benefit | Additional 20% up to $15,000 maximum (Core + Buy-Up) monthly benefit |
| Period of disability before benefits begin | 7 days | 180 days |
| Cost | You pay the cost difference between Buy-Up and core via payroll deduction | You pay the cost difference between Buy-Up and core via payroll deduction |
| Benefit taxation | taxable | taxable |
| Enrollment | May enroll when first eligible; may enroll or cancel during annual open enrollment | May 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.
New York Life Group Benefit Solutions (NYL GBS)
Life, AD&D & Disability
Contact Information
General Support: 1-888-842-4462
EOI Processing Center: 1-866-607-2360