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Short Term Hourly

Q. 
Can I request vacation pay while on short term disability?
A. 
Office Hourly and Plant Hourly Exception associates can apply for vacation pay, if available, for the seven (7) day elimination period for the Short Term Disability plan.  Vacation time cannot be used for the balance of the medical leave.
Q. 
Who is eligible to participate in the plan?
A. 
All regular, full-time, active hourly associates who have completed their 90 day benefits probationary period are eligible to participate in the hourly short term disability plan.  This plan is insured and administered by Prudential Insurance Company.
Q. 
How much are the premiums?
A. 
This plan is provided to hourly associates at no cost for the base short term disability benefit of $225 per week for a maximum period of 12 weeks.  There is an optional buy-up benefit of $100 additional coverage or $150 additional coverage.  Effective January 1, 2017, the weekly premium for the $100 buy-up is $1.72 per week, and the weekly premium for the $150 buy-up is $2.73 per week.
Q. 
How long can I receive short term disability benefits?
A. 
Once your disability leave is approved by Prudential, the maximum benefit period is 12 weeks for a non-work related injury or illness. 
Q. 
How do I file a claim?
A. 
A claim can be submitted by calling Prudential at 1-877-778-7429 and speaking with a Customer Service Representative.  This procedure will speed the collection of claim information from you, your doctor and your employer.  The following information will be needed for your claim submission:   1) Company name; 2) Policy number 45446; 3) Name and social security number; 4) Date of birth; 5) Job title; 6) Doctor’s name and telephone number; 7) A brief description of your medical condition; 8) Your last day worked and first day out due to this condition; and 9) Date you expect to return to work.
Q. 
Do any deductions come out of my disability pay?
A. 
Yes.  Your check for the base benefit of $225 will be subject to income taxes.  Prudential issues this payment and will withhold applicable income taxes.  If you elect the optional buy-up short term disability benefit, no taxes are withheld from this portion of the payment since this benefit is paid by you with after-tax dollars. 
Q. 
How do I pay benefit premiums while I’m on a medical leave of absence?
A. 
If you are enrolled in any benefits that require you to pay your premiums through payroll deductions (such as the short term disability buy-up benefit) you will receive a Benefits Billing Statement.  You are responsible for paying these benefit premiums each month while out on a short or long term disability leave of absence.
Q. 
Can I stay out all 12 weeks?
A. 
When your doctor releases you to return to work based on a medical assessment, your leave will end and you will be expected to return to work.  When your leave ends, your disability payments from Prudential will stop. Contact your HR Manager for procedures regarding returning to work.
Q. 
What happens if I’m out longer than 12 weeks?
A. 
As an hourly associate, you may have elected Optional Long Term Disability coverage through Prudential. If you are enrolled in this plan and your leave extends past 12 weeks, you may be eligible for long term disability benefits if approved by Prudential. Please refer to the Hourly Long Term Disability Plan section for more details.

Long Term Hourly

Q. 
Do I need to do anything to make sure I get LTD benefits if I'm out?
A. 
If you are on a leave of absence and believe that you will need to be out for longer than 13 weeks, please notify your Human Resources office.  Prudential will evaluate your eligibility for LTD benefits and will process your claim according to Plan provisions. If your claim is approved, it will be moved from STD to LTD by Prudential without additional paperwork necessary from Shaw.
Q. 
How does Prudential define disability?
A. 
You are disabled when Prudential determines that you are:   1) unable to perform the material and substantial duties of your regular occupation due to sickness or injury;   2) you are under the regular care of a doctor; and   3) you are not working at any job.  See the LTD SPD for more information.
Q. 
Do any deductions come out of my disability pay?
A. 
No.  Since the premiums are paid by you with after-tax dollars, they are not considered income that is subject to income taxes.  Because these payments are issued by Prudential, other Shaw benefit premiums will not be deducted even if due.  If you are enrolled in any Shaw benefits that require you to pay your premiums through payroll deductions (such as medical, dental, or the short term disability buy-up benefit), you will receive a Benefits Billing statement.  You are responsible for paying these benefit premiums each month while out on long term disability leave of absence.
Q. 
How long will LTD benefits continue?
A. 
LTD benefits will continue until you are released to return to work.  The maximum length of time a covered hourly associate may receive LTD benefits under this Plan is 5 years.
Q. 
What does this benefit pay?
A. 
If you are out of work for a non-work related injury or illness for longer than 13 weeks and Prudential approves your long term disability claim, this benefit provides 60% of your income up to a maximum benefit of $1,000 per month for Option 1 and $2,000 per month for Option 2.  There are other return to work incentives that will be handled on an individual basis by Prudential's case managers. More details can be found in the hourly LTD summary plan description (SPD).
Q. 
How much are the premiums?
A. 
Shaw offers two tax free options.  Premiums for options are age graded based on the chart below. The rates shown are weekly deductions:

Age <30 30 - 34 35 - 39 40 - 44 45 - 49 50 - 54 55 - 59 60+
Option 1 $0.66 $1.48 $1.48 $2.53 $3.78 $5.66 $8.04 $10.89
Option 2 $0.78 $1.75 $1.75 $2.99 $4.47 $6.68 $9.49 $12.85

Q. 
What are deductible sources of Income?
A. 
Prudential will deduct from your gross disability payment amounts you receive from the following sources of income:  1) Workers’ Compensation;   2) Social security disability benefits ;  3) State compulsory benefit;  or  4)Any other similar plan.  See the Hourly LTD SPD for more information.
Q. 
What is a pre-existing condition?
A. 
The Plan does not cover a disability due to a pre-existing condition.   You have a pre-existing condition if:   1) You received medical treatment, consultation, care or services including diagnostic measures or took prescribed drugs or medicines the 12 months prior to your effective date of coverage;  or 2) you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the 12 months prior to your effective date of coverage.  This applies only if a LTD claim is filed within the first 12 months of becoming eligible for the Plan. See the LTD SPD for more explanation regarding the definition of a pre-existing condition.
Q. 
Who is eligible to participate in the plan?
A. 
All regular, full-time, active hourly associates who have completed their 90 day benefits probationary period are eligible to participate in the hourly long term disability plan.  This Plan is insured and administered by Prudential Insurance Company.  If you do not elect to enroll when you become eligible, you will be asked to provide evidence of insurability for future enrollments.

Short Term Salaried

Q. 
Who is eligible to participate in salary continuance?
A. 
All regular, full-time active salaried associates who have completed their 90 day benefits probationary period are eligible to participate in the salaried associate salary continuance benefit.
Q. 
How much are the premiums?
A. 
This plan is provided by the Company at no cost to associates.
Q. 
What does this benefit pay?
A. 
If you must be out of work for a non-work related injury or illness, this benefit provides full 100% salary continuation for up to 13 weeks (offset by state disability benefits where applicable).
Q. 
Do any deductions come out of my disability pay?
A. 
Yes, if you are enrolled in the Shaw benefit plans that require payroll premium deductions, those deductions will continue so that you will not have to repay them when you return from leave.  Because this is considered taxable income, your check will be subject to all normal payroll taxes.  Your salary continuance pay will be treated like a normal paycheck. If you are enrolled in the Shaw 401(k) Plan, those contributions will also continue to be deducted.
Q. 
Can I stay out all 13 weeks?
A. 
Salary continuance payments are designed to provide income to you while you are on a medical leave of absence up to 13 weeks.  You must be approved for a medical leave by the Shaw Nursing Department in order to receive these benefits.  You should notify your HR Manager if you expect to be out for a medical leave of absence. When your doctor releases you to return to work, your medical leave will end.  You are expected to return to work even if you have not "used up" the full 13 weeks.
Q. 
What happens if I'm out longer than 13 weeks?
A. 
As a salaried associate, if your leave extends past 13 weeks, you are eligible for long term disability benefits if your condition is approved by Prudential.  The Company provides long term disability benefits coverage at no cost to salaried associates. Please refer to the Salaried Long Term Disability SPD in the resources section for more details.

Long Term Salaried

Q. 
Who is eligible to participate in the Plan?
A. 
All regular, full-time active salaried associates who have completed their 90 day benefits probationary period are eligible to participate in the salaried long term disability plan.  This Plan is insured and administered by Prudential Insurance Company. No enrollment process is required to be covered under this Plan. Once you complete your benefits probationary period, you are covered automatically.
Q. 
How much are the premiums?
A. 
This coverage is provided by the Company to salaried associates at no cost.
Q. 
What does this benefit pay?
A. 
If you must be out of work for a non-work related injury or illness for longer than 90 days (the salary continuance period) and Prudential approves your long term disability claim, if you are salary grade S02 through S08 this benefit provides approximately 60% of your income up to a maximum benefit of $5000 per month.  For associates with a salary grade of S00, S09 and higher, this benefit provides approximately 60% of your income up to a maximum benefit payable of $7,500 per month.
Q. 
Do any deductions come out of my disability pay?
A. 
Yes.  Since the premiums are paid by the Company on your behalf, LTD payments are considered taxable income.  The FICA portion of your taxes will be deducted at the time you receive your LTD benefit check.  You will be responsible for all other applicable income taxes when you file your annual tax return.  Prudential will send applicable tax forms to you following the year you receive the LTD benefits.   If you are enrolled in any Shaw benefits that require you to pay your premiums through payroll deductions (such as medical, dental, etc.), because the LTD payments are issued by Prudential the Shaw benefit deductions will not be taken. You will receive a monthly Benefits Billing statement with instructions on how to submit your premiums to Shaw.  You are responsible for paying these benefit premiums each month while out on long term disability leave of absence.
Q. 
Do I need to do anything to make sure I get LTD benefits if I'm out?
A. 
If you are on a long term disability leave of absence and believe that you will need to be out for longer than 13 weeks, please notify your Human Resources office by the 8th week of your medical leave.  This will allow enough time for HR to assist you with completing your LTD claim application with Prudential and allow for LTD benefit payments to begin promptly (if approved) when your short term salary continuance payments cease.
Q. 
How does Prudential define disability?
A. 
You are disabled when Prudential determines that you are:  1) unable to perform the material and substantial duties of your regular occupation due to your sickness or injury; 2) you are under the regular care of a doctor; and (3) you have a 20% or more loss in your monthly earnings due to that sickness or injury.  See the LTD SPD (summary plan description) for more information in the resources section.
Q. 
How long will LTD benefits continue?
A. 
LTD benefits will continue until you are released to return to work.  You may continue to receive LTD benefits until age 65.  If you are older than age 65 when you become disabled, your Human Resources office can provide you with details about the maximum length of time that applies to you.
Q. 
What is a pre-existing condition?
A. 
The Plan does not cover a disability due to a pre-existing condition. You have a pre-existing condition if:  1) You received medical treatment, consultation, care of services including diagnostic measures or took prescribed drugs or medicines in the 3 months prior to your effective date of coverage; or 2) you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the 3 months prior to your effective date of coverage. This applies only if a LTD claim is filed within the first 12 months of becoming eligible for the Plan. See the salaried LTD SPD for more explanation regarding the definition of a pre-existing condition.
Q. 
What are deductible sources of income?
A. 
Prudential will deduct from your gross disability payment amounts you receive from the following sources of income: 1) Workers’ compensation; 2) Social Security disability benefits; 3) State compulsory benefit; or 4) Any other similar plan. See the salaried LTD SPD which applies to your salary grade for more information.