If you do not enroll within your first month as a new employee, you will be defaulted to Plan B coverage. The Short Term Disability Plan was designed to provide coverage to employees during the first 26 weeks of any non-work related illness or disability. The waiting period for long term disability is 26 weeks.
Benefits begin on the fifteenth day of an illness or injury.
Plan A is designed for an employee who does not have a large sick time bank, or could not financially withstand an unpaid sick leave. By using reduced sick time from the point when the STD plan begins to pay benefits, the employee conserves available sick time for this illness or a future illness. Benefits begin on the 60th day for an accident or illness. Plan B is designed for an employee who may have either a large sick time bank, or could financially withstand an unpaid sick leave. However, even a large sick time bank will be depleted quickly, since sick time is used entirely until short term disability benefits begin.