Disability | Sparrow Health System Benefits

Non-Union Caregivers

Disability Benefits Overview

Benefit	Plan Description	Key Features	What’s New This Year?
Short-Term Disability Insurance (STD)	Provides a % of a Caregiver’s base monthly earnings in the event s/he becomes disabled and unable to work for a short period of time. Maximum limits may apply – please contact HR for more details.	Provided by Sparrow at no cost to most Caregivers. Waiting periods may apply – please contact HR for more details.	No Changes
Long-Term Disability Insurance (LTD)	Provides a % of a Caregiver’s base monthly earnings in the event s/he becomes disabled and unable to work for a long period of time. Maximum limits may apply – please contact HR for more details.	Provided by Sparrow at no cost to most Caregivers. Waiting periods may apply – please contact HR for more details. Opportunity to buy up on the LTD benefit to increase coverage to 66 2/3% of base monthly earnings up to a maximum benefit. Only able to enroll during new hire eligibility period or annual Open Enrollment. Please contact HR for more details.	No Changes

Benefit

Plan Description

Key Features

What’s New This Year?

Short-Term Disability Insurance (STD)

Provides a % of a Caregiver’s base monthly earnings in the event s/he becomes disabled and unable to work for a short period of time. Maximum limits may apply – please contact HR for more details.

Provided by Sparrow at no cost to most Caregivers. Waiting periods may apply – please contact HR for more details.

No Changes

Long-Term Disability Insurance (LTD)

Provides a % of a Caregiver’s base monthly earnings in the event s/he becomes disabled and unable to work for a long period of time. Maximum limits may apply – please contact HR for more details.

Provided by Sparrow at no cost to most Caregivers. Waiting periods may apply – please contact HR for more details.

Opportunity to buy up on the LTD benefit to increase coverage to 66 2/3% of base monthly earnings up to a maximum benefit. Only able to enroll during new hire eligibility period or annual Open Enrollment. Please contact HR for more details.

No Changes

For Information Call:

Total Rewards Hotline

517-364-5333

[email protected]

This is a summary of the benefits provided by each insurance carrier and it is not intended to fully describe the details of each benefit plan. Should any questions arise, the contracts in effect will take precedence.