Encourage your employees to consider their LTD benefit

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Encourage your employees to consider their LTD benefit

As open enrollment draws to a close, we have noticed a high number of subscribers have not yet acted to change their long-term disability (LTD) benefit. As a result, they will be defaulted into employee-paid LTD coverage effective January 1, 2022.

Please share this message to your employees as a reminder to consider their LTD benefit. Thank you in advance for your time and effort to share this message. You can copy and paste the message below to share; do not forward this email.

If you have comments or suggestions for additional messages, please let us know through FUZE.

Please note: If you have a payroll deadline other than December 31, you will need to enter it into the message below to ensure your employees make changes before the January payroll.

Recommendation: Share this email on November 18, 2021.

Make a choice about the long-term disability benefit by November 22

The SEBB Program’s open enrollment is ending on Monday, November 22, 2021. If you haven’t already, you will need to make a choice about your employee-paid long-term disability (LTD) benefit. If you don’t make a choice, you will be defaulted into the coverage level that covers 60% of the first $16,667 of your monthly predisability earnings.

This benefit will change starting January 1, 2022. All eligible employees will automatically be enrolled in employee-paid LTD, if they are not already currently enrolled. The new LTD benefit will offer a minimum 90-day waiting period with two coverage level options.

During open enrollment, October 25 through November 22, 2021, you can use SEBB My Account to:

  • Reduce to a lower-cost 50% coverage level, with a maximum benefit of $8,333
  • Decline your automatic enrollment in employee-paid LTD for 2022

You also have the option to reduce or decline your employee-paid LTD coverage by submitting the 2022 Long-Term Disability Enrollment/Change form to your payroll or benefits office.

If you don’t actively reduce or decline your LTD benefit election by December 31, 2021, you will be enrolled in the 60-percent plan, and the premium will be deducted from your paycheck for January 2022 coverage.

Your long-term disability benefit is different from the state’s new long-term care benefit, which is called The WA Cares Fund. Long-term disability replaces a portion of your income due to accident, illness, or pregnancy. You can reduce or decline your employee-paid LTD coverage at any time. Long-term care pays for the cost of care when you need assistance with activities of daily living and is not currently part of your SEBB Program benefits.