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  • Benefits Enrollment
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    • Benefits Enrollment
  • Your Health
    • Health Insurance
    • Preventive Care
    • Controlling Healthcare Costs
    • Astia Health
    • Health Assessment
    • Flexible Spending Accounts
    • LiveHealth Online
    • Dental Insurance
    • Vision Insurance
    • Physical Therapy
    • Obstructive Sleep Apnea
    • Tobacco Cessation Program
    • Omada
  • Your Financial Security
    • Retirement Plans
    • Income Protection and Disability
    • Basic Life Insurance
    • Supplemental Term Life Insurance
    • Coverage and Beneficiary Changes
    • Voluntary Insurance Benefits
    • COBRA
    • Prudential Pathways
  • Your Well Being
    • Vacation
    • Holidays
    • Employee Assistance Plans
    • Move to Medicare
    • TeamRoehl Help Fund
    • Health & Wellness Program
    • Roehl Wellness App
  • Resources
    • Benefit FAQs
    • Benefit Contact Information
    • Legal Notices
    • Rates
    • Summary Plan Descriptions
    • Viewing Your Enrollment Confirmation Form
    • Benefit ID Cards
    • COVID-19 Vaccination Resources
    • Mental Health Resources
    • Updating Your Beneficiary
    • Benefit Forms

Short-Term Income Protection (STIP)
& Long-Term Disability (LTD) Plans



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These plans provide a benefit if you suffer a non-occupational injury or illness that prevents you from working. The plans are divided into short-term and long-term coverage, but you pay only one premium for both. The short-term coverage is through the Short-Term Income Protection Plan (STIP), which the insurance administrator calls Short-Term Disability (STD). The long-term coverage is through the Long-Term Disability Plan (LTD). (Please recognize that the term “disability” is an insurance company product label.)
 
  • The premium is 1.01% of your gross weekly pay and is paid through pay deduction with pre-tax dollars.
     
  • This coverage is effective on the first day of the month following six months of continuous employment.
     
  • A loss of professional certification or licensure does not necessarily qualify one for STIP coverage.
     
  • The STIP plan has a pre-existing condition provision which is defined as a sickness or accidental injury for which, during the 3 months immediately before the effective date of your insurance, you did one or more of the following:
     
    • Received medical treatment, care, services or advice.
    • Took prescribed drugs or had medications prescribed.
    • Experienced related or resulting symptoms or aggravations, which would be a reasonable cause for an ordinarily prudent person to seek diagnosis, care or treatment from a doctor or healthcare facility

  • Please keep this in mind when using the STIP plan.

LTD Options

We offer our drivers the option to choose from two Long-Term Disability programs. Both programs offer the same benefit and you may select the duration of the benefit.

LTD Option 1—Your maximum benefit duration is 2 years.

LTD Option 2—Your maximum benefit duration is 5 years.

Electing Option 2 will increase your STIP-LTD premium by 0.14%.  
 

Short-Term Income Protection &
Long-Term Disability Plans Summary

  STIP LTD
Waiting Period-Injury 0 Days 6 Months
Waiting Period-Illness 7 Days 6 Months
Maximum Benefit Duration 26 Weeks Depends on the LTD option purchased. Refer to your SPD.
Benefit Amount 50% of the employees weekly salary or wage 60% of the employee's monthly salary or wage to a max of $6,000 per month.

Keep in mind that if you elect our health insurance, you will automatically be enrolled in Short-Term Income Protection and Long-Term Disability coverage. If you do not elect our health insurance, you will need to enroll in this benefit to be covered.

 



 


Video: Short-Term Income Protection (STIP) & Long-Term Disability (LTD) Plans

©2023 Roehl Transport, Inc. | The information on this page pertains to our 2022 Benefits. | Click here to view our 2021 Benefits.| Enroll in Benefits | Benefit Contact Information