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3 City of Little Canada Personnel Policy SECTION 13 – OTHER INSURANCE BENEFITS - SHORT TERM DISABILITY (STD) Purpose The City provides Short Term Disability (STD) coverage at no cost to all regular full-time and part- time employees who accrue benefits as a supplement to the PTO program. The intent of STD is to bridge the gap between banked PTO or deferred sick time, and the 90th day when an employee may qualify for Long Term Disability. Participation is mandatory and employees are automatically enrolled once they are eligible. Eligibility STD is available only for an employee’s non-work related disability. It may not be used to care for ill or injured family members. The employee or their representative must submit all paperwork stipulated by the Plan Administrator in order to qualify for benefits. If an employee’s injury or illness is determined to be covered under workers’ compensation, it is not eligible to be covered under this STD program. Requesting STD/Filing a Claim In order to receive STD benefits, an employee or their representative should file a request with the Plan Administrator to initiate the claims process. STD claims must be filed within the required time stated by the Plan Administrator after the date the disabling injury or illness occurs. The employee must also contact his/her supervisor indicating that time off is needed. All forms and requested documents must be completed and submitted to the Plan Administrator’s satisfaction before an employee will be determined to qualify for payment of benefits. Commencement & Length of Benefit STD benefits will commence on the 15th calendar day of continuous disability provided that the employee or their representative has provided all required paperwork. A partial absence on the first day is not counted toward the 15 days. An employee may use any accumulated deferred sick leave bank, PTO/ESST, or combination of the two during this waiting period. Benefits will continue until the employee returns to work able to carry out the full or partial duties and responsibilities of the employee’s position, the disability certification time runs out, the employee begins LTD, or through the 89th calendar day of absence, whichever comes first. An employee receiving STD benefits who separates employment with the City for any reason will not receive STD benefits beyond the last day of employment. Amount of the Benefit The STD benefit will be in an amount up to 66 2/3 % of the employee’s gross regular rate of pay at the time of the disabling incident, up to the maximum benefit amount stated in the STD policy.