Short-Term Disability (STD) Plans

Seven Pre-priced Short-Term Disability Plans Available

The National IAM Benefit Trust Fund offers seven pre-priced short-term disability plans. Covered employees can participate in a Benefit Trust Fund short-term disability plan if they also participate in a Benefit Trust Fund medical plan.

To be eligible for coverage, the short-term disability plan, along with the medical plan, must be negotiated into a group's applicable Collective Bargaining Agreement between the IAM and an employer. Benefit Trust Fund short-term disability plans provide benefits for employees only—they do not cover a spouse or children.

STD Benefits

Short-term disability plans provide benefits to covered employees who cannot work due to disability caused by an illness or an accident that is not work-related. Benefits are paid for up to 26 weeks.

Benefit Trust Fund STD plans pay 70% of an employee's gross weekly wages, up to a maximum weekly benefit amount that ranges from $200 to $1,000, as specified under each plan.

All Benefit Trust Fund STD plans have a seven-day waiting period. A waiting period is the number of unpaid leave days that must elapse before benefit payments can begin.The waiting period starts when a covered disability, as certified by a physician, results in the first day of unpaid leave. The waiting period ends after seven consecutive unpaid days. Benefits begin on the first day of unpaid leave after the waiting period, while you remain totally disabled, provided you were eligible for STD benefits on the date the waiting period began.

For a list of the Fund's short-term disability plans, view or download a sample Schedule of Benefits (PDF), or contact the Fund Office.

STD Summary Plan Descriptions

When a disability plan is negotiated, the STD plan language is added to the associated medical plan Summary Plan Description. For details about how the plans work, including information about enrollment and benefit payment, refer to the applicable medical plan SPD. You can also view or download disability language for a sample disability plan below, or contact the Fund Office.

Sample STD Plan Language—$500 Maximum Weekly Benefit (PDF)

STD Summary of Material Modifications

Whenever a change is made to your STD plan, the Fund Office will send a Summary of Material Modification (SMM). SMMs should be retained in your Summary Plan Description for future reference. All changes made to a STD plan since the last printing of the Summary Plan Description will be included when the booklet is revised and a new edition of the SPD is issued.

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Benefit Trust Fund short-term disability plans pay 70% of an employee's gross weekly wages, up to the applicable benefit maximum.

Frequently Asked Question (FAQ)

How many different plans does the Fund offer?

The Fund offers multiple Medical, Dental, and Vision plans. Short-Term Disability and Life and Accidental Death & Dismemberment benefits are also available.

How do I notify the Fund of my address change?

If you move, please notify the Fund of your new address. To change your address,
fill out a new Enrollment Form and mail or fax it to the Fund using the mailing address or fax number found on the form. Always complete a new Enrollment Form when you have a change in personal information.

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