...If You Become Disabled, Or You (Or A Family Member) Are Seriously Ill
If you suffer a work-related injury or illness, contact your manager immediately. If the condition is not work-related, obtain the care you need through your FlexSolutions Medical Plan. Each FlexSolutions Medical Plan provides comprehensive medical coverage, including hospitalization, skilled nursing facility care, home health care, and hospice care.
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If you are enrolled in the Health Care Reimbursement Account, use these funds to pay for any eligible health care expenses not covered by your other health care coverages. If you are on a disability leave, you may be able to adjust (suspend) your current contributions to the Dependent Care Reimbursement Account, depending on your particular situation.
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If you or your spouse/domestic partner are terminally ill and enrolled in the Employee or Dependent Life Insurance Plan, you may be entitled to receive an "accelerated" benefit payment. If you are on a disability leave, your life insurance coverage(s) will continue and the rate(s) you pay will be no more than the amount you paid as an active employee.
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A&B's plans provide income protection for short-term absences due to an illness and long-term absences due to a qualifying disability.
Note:
You may also be eligible for Workers' Compensation benefits if your illness or injury is work-related.
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Depending on your situation, you may be eligible for paid sick leave or an unpaid leave under the Family and Medical Leave Act (FMLA). Long-term disability benefits may also be available if you are ill or injured and unable to work for an extended period, as described above.
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If you incur large medical expenses not covered by any other medical coverage you (or your spouse) may have, you may apply for a loan or hardship withdrawal from your Individual Deferred Compensation (IDC) Plan.
If you are receiving long-term disability benefits, your contributions to the IDC Plan will be suspended. Contact your local Human Resources representative for information pertaining to the effect, if any, on your other retirement-related benefits.
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Action Steps
Contact...
Your manager immediately if you suffer a work-related illness or injury.*
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Obtain...
The care you (or your dependent) need.*
Remember!
To receive the highest level of benefits available under your plan, use "network" or "participating" providers.
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Submit...
Your medical, dental, or vision claims (unless your provider does this for you) and any Health Care Reimbursement Account claims (if applicable).
Some claim forms are available online via the Company intranet or from your local Human Resources representative.
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File...
A claim for "accelerated" (terminal illness) benefits under your or your spouse's/domestic partner's Life Insurance Plan, if applicable.
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Discuss...
With your manager and/or local Human Resources representative the various options available to you if you need to miss work for an extended period of time, regardless of whether the time off is required due to your or a family member's health condition.
If the illness or injury is work-related, follow the steps outlined by your manager or local Human Resources representative to apply for Workers' Compensation benefits.
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