Disability Insurance Overview
Disability insurance provides important partial replacement of lost income when you are unable to work due to an illness or injury.
Coverage highlights
Salaried Team Members, including Team Members whose primary job is Sous Chef, MIT, GEDM, or Flex Manager are automatically enrolled in Core Short- and Long-Term Disability Insurance, and have the option to select a Buy-Up option.
Short-Term Disability begins to pay benefits on the 8th day of disability resulting from a non-work related illness or injury. After 90 days of disability, Long-Term Disability takes over.
Short-Term Disability
Short-Term Disability (STD) pays a benefit in the event you become disabled due to a non-work related illness or injury, including disabilities related to pregnancy and childbirth. Benefits are payable only for the period of time you are deemed disabled.
Core
- 40% of your base salary up to $750 weekly
- Benefits begin after 7-day waiting period
- Bloomin’ Brands pays the full cost
- Benefits are 100% taxable
- You are automatically enrolled when first eligible
- No medical questionnaire required
Buy-Up Disability
- Additional 20% of your base salary replaced up to $2,000 weekly (Core + Buy-Up)
- Benefits begin after 7-day waiting period
- You pay the cost difference for Buy-Up via payroll deduction
- Benefits are 100% taxable
- Enroll when first eligible without medical questionnaire
- May enroll during Annual Enrollment – questionnaire required
- May cancel only during Annual Enrollment
Core benefits begin on your hire date, or the first day you are actively at work if later. Buy-Up coverage begins on your benefit effective date.
The plan won’t pay benefits for a pre-existing condition until you have been covered for 12 months. Any condition you received treatment for in the 6 months preceding your coverage effective date, or Buy-Up coverage effective date, is considered a pre-existing condition.
Long-Term Disability
Long-Term Disability (LTD) pays a benefit in the event your disability continues beyond 90 days and it includes coverage for work-related injury or illness.
Core
- 40% of your covered base salary and performance bonus up to $1,500 monthly
- Benefits begin after 90-day waiting period
- Bloomin’ Brands pays the full cost
- Benefits are 100% taxable
- You are automatically enrolled when first eligible
- No medical questionnaire required
Buy-Up Disability
- Additional 20% of covered base salary and performance bonus up to $15,000 monthly (Core + Buy-Up)
- Benefits begin after 90-day waiting period
- You pay the cost difference for Buy-Up via payroll deduction
- Benefits are 71% taxable
- Enroll when first eligible without medical questionnaire
- May enroll during Annual Enrollment-questionnaire required
- May cancel only during Annual Enrollment
Tip
Use the Disability Needs Calculator to help determine if you should elect supplemental coverage.
If you receive other income as a result of your disability (for example, from workers’ compensation or Social Security Disability), your Long-Term Disability benefit will be reduced by the amount you receive from other sources.
Survivor benefit
Should you die while receiving Long-Term Disability benefits, your survivor will be paid an amount equal to 3 months of your LTD benefit in effect (before reductions for other income) at the time of your death.
Social Security assistance
Cigna may provide assistance with applying for Social Security Disability Income (SSDI) Benefits.
Contacts
Cigna Life & Disability
Life and Accidental Death & Dismemberment; Disability claims
