Steps To Take If You Become Disabled

If You Become Disabled and Cannot Work …
Notify your supervisor, either in person or by telephone, in advance, if you cannot report to work.  If you cannot reach your supervisor, notify your Shift Superintendent.

Contact your Company’s benefit office to request a form for disability benefits, or your supervisor may request the form for you.

Remain in contact with your Company’s benefit office about how long you anticipate being away from work.

Receive short-term disability benefits for up to six months of disability (if eligible).  If your disability continues longer than six months, you can apply for long-term disability benefits.  Contact your Company’s benefit office to find out how to apply.

File forms for long-term disability benefits if your disability will continue longer than six months.  Claim forms are available from the Benefit Plans Office (for BWXT Y-12 employees).  UT-Battelle employees must contact the claims administrator, Broadspire.

Apply for other disability benefits that may be payable (i.e., Social Security, workers’ compensation, state or individual disability benefits and auto insurance recoveries).

The terms "Short-Term Disability" and "Long-Term Disability" are defined in the “Disability” section.

What Happens to Your Benefits If You Become Disabled
Here is what happens to your benefits during a disability:

Medical (Including Prescription Drugs and Vision Care) and Dental

During Short-Term Disability
Coverage continues.  Contributions are deducted from your disability benefits.

During Long-Term Disability
Coverage continues up to the first of the month following the end of your long-term disability coverage, provided you continue to pay the required premium.

 

Employee Assistance Program
You may continue to access the services of the employee assistance program.

 

Health Care Spending Account

During Short-Term Disability
Participation continues, provided your Pay continues.  Claims may be submitted for expenses incurred before and during the period of your disability in which you are still making contributions to your account.

During Long-Term Disability
Participation ends unless you elect to continue contributing for the rest of the year on an after-tax basis through COBRA.

You may submit claims for health care expenses incurred before your short-term disability benefits end, and for those incurred afterward only if they were incurred in the period in which you continued to participate.

 

Dependent Care Spending Account

During Short-Term Disability
Participation continues provided your Pay continues.  You may submit claims for expenses incurred before your disability began, and during your disability if you are unable to care for your Eligible Dependent.

During Long-Term Disability
Participation ends.  You may submit claims for expenses incurred before your disability began, up to the balance in your account.  Submit claims for expenses incurred before your disability began and during your short-term disability if you were unable to care for your Eligible Dependents up to the balance in your account.

 

Short-Term and Long-Term Disability

Short-term disability provides benefits for up to six months of disability, depending on your length of service.  Long-term disability benefits provide a percentage of your annual Pay, up to a maximum of 60% of your annual Pay, not to exceed $5,000 per month, offset by Social Security and other benefits payable.  Eligibility for benefits is defined in the “Disability Coverage” section.

Basic Life Insurance and Supplemental Life Insurance

During Short-Term Disability and Long-Term Disability
Coverage continues at the level in effect at the time your disability began for as long as you meet the disability requirements of the basic and supplemental life insurance plans, or until you reach age 65.  For hourly employees, after 13 weeks of disability, this coverage is provided at no cost to you.  (If your disability begins after your 63rd birthday, your insurance will continue for two years, but not beyond age 70.)

 

Spouse and Dependent Life Insurance
Coverage continues for six months.  After six months, you may convert to an individual policy or terminate coverage.

 

Business Travel Accident Insurance

During Short-Term Disability and Long-Term Disability
Coverage ends.  However, if within 100 days of a covered accident you become Totally and Permanently Disabled as a result of an injury sustained in the accident, you will receive a lump-sum payment of four times your annual Pay after you have been Totally and Permanently Disabled for 12 consecutive months.

Special Accident Insurance
During Short-Term Disability and Long-Term Disability
Coverage continues during short-term disability and up to 12 months during long-term disability, provided you pay the premiums.  If you are an hourly employee and you become eligible for Total and Permanent Disability within 365 days of a qualifying accident, you will receive an additional monthly benefit after you have been disabled for 12 consecutive months.  These benefits will continue for up to 50 months.  Refer to the “Life and Accident Coverage” section for other special accident insurance benefits.

 

Pension Plan
During Short-Term Disability and Long-Term Disability
You continue to earn Company Service while you are receiving short-term or long-term disability benefits.

 

Savings Program

During Short-Term Disability
Contributions continue during your paid disability.  If you have an outstanding loan, any payments missed will be automatically deducted from your paycheck immediately upon your return to work.

During Long-Term Disability
Contributions end.  In case of Total Disability, you become 100% vested.  You have a choice of payment forms, or you may choose to defer payment.  If you have an outstanding loan, you must continue to make repayments directly to CitiStreet.

Long Term Care
You may continue your coverage by making payments directly to the insurance company.