Disability FAQs for Independent Distribution Professionals

When does my Short-Term Disability Benefit begin?

  • To receive these benefits, you must be disabled because of accidental injury or illness or unable to work due to pregnancy and you must be receiving regular care from your doctor. The start date can vary depending on the reason for disability and when you first see a doctor. Refer to the brochure (add link to brochure).

Am I entitled to Short-Term Disability Benefits if I had an on-the-job accident?

  • Yes. Your Short-Term Disability Benefits are available for accidents or injuries that occur on-the-job or off-the-job. You have 24-hour coverage whether working or not.

Will I be covered for a disability if I travel away from home and work?

  • Yes, you will not only be covered for disabilities from sickness or an accident at home or work, but also while you’re traveling – and at any time. 

My doctor said I will be unable to work for six weeks. My next appointment is in six weeks, so why do I need to complete another form before then?

  • To qualify for continued Short-Term Disability, Hartford requires you to be under the regular care of a physician. Depending on the type of disability, you may be required to submit additional documentation to support your claims.

What happens if I am disabled again after I return to work?

  • If your second disability is related to your first disability, you must return to active employment and work for 14 consecutive calendar days for it to be considered a new Short Term Disability Claim with a different effective date. If your second disability is not related to your first disability, you must return to active employment and work at least one day to qualify for a new Short-Term Disability period.

Can my Short-Term Disability check be deposited directly into my bank account?

  • Yes.

Can I qualify for Short-Term Disability Benefits if I am compensated for vacation, sick or personal days?

  • Yes. The Hartford policy considers you an independent contractor not eligible for vacation, sick or personal days due to self- employed status.

Are my dependents eligible for Short-Term Disability?

  • No. Short-Term Disability is a participant-only benefit. 

Is there a time limit for filing Short-Term Disability Claims?

  • Yes. There is a one-year filing limit from the date of disability.

 How do I obtain a Short-Term Disability Form?

  • There is no form to complete. Simply call Hartford Insurance Company at 866-945-4558. When you get a representative on the phone, tell them you are a FID Territory owner under policy #675421. They will ask you questions about your disability. Be sure to have your doctor’s name, address, telephone number, fax number and e-mail if available.

Are my Short-Term Disability Benefits taxable? If so, how are they reported to the government?

  • No. The benefits are tax-free.

When does my Short-Term Disability Benefit end?

  • Short-Term Disability Benefits end when you are no longer disabled, retire or have received the maximum number of week’s payable under your Plan.

If I am still out on a disability claim, haven’t reached my maximum period of benefits under Short or Long Term Disability, and sell my territory, will I still be eligible to receive income claim benefits?

  • Yes, your premiums will be deducted by Hartford from your claim checks.

I received the maximum benefits under my Short-Term Disability Benefit. However, I am still disabled. Are there any other benefits available to me?

  • Yes. You may eligible to receive benefits under Long Term Disability for a maximum period of 24 months as long as you are still deemed disabled.

What is the maximum benefit under my Long-Term Disability benefit?

  • You may be eligible to receive benefits under Long Term Disability for a maximum period of 24 months as long as you are still deemed disabled due to sickness or injury and under the regular care of a doctor.

Will Social Security or other government programs cover my expenses?

  • It’s often difficult to qualify for Social Security Disability coverage. Even if you do, you’ll have to wait six months before you can receive benefits. You must also prove to the Social Security Administration (SSA) that your disability prevents you from working in any profession. In addition, the SSA only covers disabilities that are expected to last 12 months or longer or end in death. Moreover, such benefits are subject to federal income tax.

Are my Long-Term Disability Benefits taxable? If so, how do I report information to the government?

  • Yes. Please contact your CPA for assistance.

 

Learn more about our disability insurance services