Your Disability Insurance

Catalina provides Short-Term Disability (STD) and Core Long-Term Disability (LTD) insurance to you at no cost, which is administered by Prudential. Catalina also offers the opportunity to purchase additional LTD coverage through a Buy Up LTD plan.

Short-Term Disability

All regular, full-time employees automatically receive 100% employer-paid STD coverage equal to 70% of your weekly earnings (up to a weekly maximum of $2,400). Benefit payments begin after a 7-day waiting period and if approved, will continue for up to 12 weeks for an illness or injury. In the case of maternity, the benefit duration is based upon the type of delivery (6-8 weeks).

Core Long-term disability

Your 100% employer-paid LTD coverage replaces up to 50% of your monthly earnings (up to a maximum of $6,000). LTD benefit payments begin after12 weeks if your disability continues.

Core LTD Choice

You have the option to pay taxes on the premium Catalina pays for your Core LTD coverage. This means you won't have to pay federal taxes on the benefit payments you may receive while on a covered long term disability leave. If you'd rather pay the premium taxes now, you must take action in Workday within 30 days of your hire date. After your 30 days have lapsed, you cannot change this election until the next annual benefits enrollment.

Long-Term disability buy-up

You have the option to purchase a Buy Up on your LTD coverage which replaces an additional 16.67% of your monthly earnings (up to a maximum of $10,000).

Guarantee Issue

LTD Buy-Up is guarantee issue once your election is made via your New Hire enrollment event. This means that if you decide to elect the LTD Buy-Up plan later on in the future, you will be subject to EOI.

What is Evidence of Insurability?

Evidence of Insurability (EOI) is an application process in which you provide information on the condition of your health or your dependent's health in order to be considered for certain types of insurance coverage.

If you are required to complete EOI, you will receive an email from Prudential to register online and complete the EOI application. If you do not have an email on file, you will receive a paper application mailed to your home address to complete and return to Prudential.

If it is not submitted to Prudential timely, the benefit subject to EOI could be denied.