Disability

VillageMD provides coverage to replace part of your income if you become unable to work due to an illness or injury.

Short-Term Disability (STD)

Short-Term Disability (STD) at a Glance
Enrollment	As a benefits-eligible team member, you are automatically enrolled in coverage at no cost to you
Monthly Benefit	60% of base compensation, up to $2,000* weekly (minus any income from other sources such as statutory family medical leave benefits)
Benefit Payable After	7-day elimination period (waived for immediate hospitalization and maternity)
Maximum Benefit Duration	12 weeks following the 7-day elimination period

* Offsets are provisions in your disability coverage that allow your insurer to deduct from your regular benefit other types of income you receive or are eligible to receive from other sources due to your disability.

Long-Term Disability (LTD)

If you choose to enroll in LTD coverage, you and your spouse may be required to complete an Evidence of Insurability (EOI) questionnaire if you elect coverage outside of your initial new hire enrollment.

Long-Term Disability (LTD) at a Glance
Enrollment	Team members below director level: If you choose to enroll in LTD, you will pay the full cost. Providers and team members at director level and above: You are automatically enrolled in employer-paid LTD.
Monthly Benefit	60% of base pay, up to $10,000* monthly (minus any income from other sources such as Social Security)
Benefit Payable After	90 days
“Own Occupation” Period	Team members below director level: 2 years Providers and team members at director level and above: Maximum benefit duration
Maximum Benefit Duration	Until Social Security Normal Retirement Age (SSNRA)
Pre-Existing Condition Occurrence/Trial Period	3 months/12 months

* Offsets are provisions in your disability coverage that allow your insurer to deduct from your regular benefit other types of income you receive or are eligible to receive from other sources due to your disability.

About pre-existing conditions

In general:

• No benefit will be paid if the claim occurs during the “pre-existing condition trial period” and is the result of an illness or accident connected to a “pre-existing condition.”
• Any illness or injury for which you have received treatment including: being hospitalized for, had surgery for, received therapy for, consulted a medical practitioner for or taken medication for during the “pre-existing condition occurrence period” immediately prior to your coverage effective date.