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    Long Term Disability—Full-Time Crewmembers

    Disability Business Partner Changes for 2022.

    In 2022, we’re switching the Business Partners who administer our disability programs to streamline the leave of absence experience for all Crewmembers. Here’s the new line-up:

    • Short Term Disability—Claims will be managed by Sedgwick.
      • NEW for Pilots
      • No change for all other Crewmembers
    • Long Term Disability—Claims will be managed by The Hartford.
      • NEW for all Crewmembers, including Pilots
    • State Mandated Disability Benefits
      • NEW—Sedgwick will administer state-provided disability benefits if you work in New Jersey or New York

    Note: If you’re a Pilot approved for Voluntary Short Term Disability (VSTD) or any Crewmember approved for Long Term Disability (LTD) with a disability date prior to January 1, 2022, you’ll need to contact MetLife for your return to work process.

    Click here for more details.

    The basics.

    Did you know that your income stops while you’re on disability leave? Disability coverage allows you to get paid when you get sick or injured without using up your PTO bank. JetBlue provides Long Term Disability (LTD) insurance to all Full-Time Crewmembers at no cost. If you want to increase your company-provided benefit, you may also buy Voluntary Long Term Disability (VLTD) coverage.

    How it works.

    How it works.

    LTD benefits begin after you’ve missed work due to an illness or injury for 180 days. The LTD plan does not cover a disability from a pre-existing condition during the first 12 months of coverage. Pre-existing conditions are conditions you already had or have been treating during the three months prior to your coverage effective date, including pregnancy.

    Comparing LTD and VLTD.

    Comparing LTD and VLTD.

    You automatically have LTD coverage, but you can buy VLTD if you’d like to increase your coverage.

    Long Term Disability (LTD) Voluntary Long Term Disability (VLTD)
    Full-Time Crewmembers only
    Company-paid You pay with post-tax dollars
    Benefit equals 60% of gross compensation* 6-2/3% (added to your basic LTD)
    $13,500 (subject to taxes) Up to $15,000 (including your LTD)
    Waiting period: 180 days of continuous disability** Proof of good health may be required by The Hartford if you don’t enroll when first eligible

    * Includes your average gross pay over the prior 12 months, or up to 18 months if you were on an approved Leave of Absence and had months of $0 earnings in the prior 12 months.

    ** You may use any available PTO during the waiting period and/or apply for Short Term Disability where available.

    Note: The LTD benefit will be reduced by the gross monthly benefit you receive from Social Security, Workers’ Compensation and other earned income.

    How much VLTD coverage costs.

    How much VLTD coverage costs.

    To determine your per-paycheck deduction for VLTD coverage, use this formula:

    1. The lesser of $270,000 or your base salary ÷ 12 x 0.00116 = your monthly premium.
    2. Your monthly premium x 12 = annual cost ÷ number of paychecks (24 or 52) = cost per paycheck.

    Note: Your rates are based on your base salary as of 1/1 or date of hire whichever is latest. However, any benefits paid will be based on your pre-disability earnings.

    Voluntary LTD enrollment is subject to Evidence of Insurability (EOI) and must be approved by The Hartford.

    New Hires have 31 days from date of hire to enroll in the VLTD without having to provide EOI. The next opportunity to enroll or cancel VLTD coverage is during Open Enrollment; however if adding coverage, it will be subject to EOI. The Hartford will review the EOI application and determine if coverage will be approved.

    Need to go on LTD?

    Find detailed information on what to do before you take a leave and before returning to work  here.

    Contacts

    Life and AD&D Insurance
    Long Term Disability (All Crewmembers)
    Long Term Disability (All Crewmembers) and Short Term Disability (Pilots)