Introduction

This article provides a guide to each of the fields when building a Disability benefit in THExpressHUB. Disability benefits have a lot of similar fields to Employee Life benefits, though there are some key differences.

Building Disability Benefits

The image below shows a generic, incremented Long Term Disability plan in our training exchange, BrightPassage. You can click the hotspot icons on the image () to learn more about completing the fields on this page in order to build a Disability benefit into your company.

Note that almost all of the fields on this page will appear and act in the same way, regardless of if the plan is an ‘incremented amounts’ or an ‘x-times salary’ type of plan. The only difference will be in the ‘Coverages are Based on’ field and the field following it. More information on this can be found in the hotspot for this field.

Additionally, while all of the field names will be the same for building Short Term Disability plans, note that the two Max Coverage fields will show as per week after the editable text box, rather than per month.

Guaranteed Issue

Some exchanges may include the ability to set Guaranteed Issue values (the maximum amount of electable coverage without Evidence of Insurability) for New Hires and Open Enrollment in Disability plans. These fields will appear between the Max Coverage fields and Employer Cost field, as shown in the image taken from a Short Term Disability plan below.

These fields work in exactly the same way as they do on Employee and Dependent Life plans.

• If the GI is a set amount for all employees, regardless of salary, enter that amount in the left box.
• If the GI is dependent on the employee’s salary, enter the multiple of the salary in the right box (i.e. if employees can elect up to half of their annual salary, enter ‘0.5’ in the right box).
• You can also use a combination of both, as in the example in the image above. In this case, the GI will be calculated by THEbenefitsHUB on an employee-by-employee basis as the lowest of the two amounts.