Short Term Disability Insurance
Rehabilitation Benefit for Employees
Successful rehabilitation begins with motivation. We're committed in our policies to a package of incentives. These incentive encourage both the employee's and the employer's participation in the rehabilitation process.
The basis for the rehabilitation effort is a rehabilitation plan, which is written agreement between Fortis Benefits and the employee. The terms of the plan must be mutually agreeable.
Key Features
during a mutually agreed upon rehabilitation plan, we will ...
- increase the schedule amount of benefit by 5% of pre-disability weekly pay (or $230 per week if less)
- pay the employer up to 50% of the employee's salary for the first 4 weeks while the employee returns to limited work.
- provide additional job search assistance and up to 13 weeks of additional benefits if the employee recovers while unemployed.
Where appropriate, we will agree to pay for such services as follows:
- Accommodation Expense
- These are costs incurred by the employer to accommodate the employee's disability, as required by the ADA or similar legislation. Also included costs incurred by the employee for tools, equipment, furniture, computer software, or other items necessary to enable return to work. Up to $2000 is allowed for each period of disability.
- Education Expenses
- These include reasonable costs incurred for required education of training to enable return to work. These may include the cost of tuition, books, computers, and other equipment.
- Family Care Expenses
- up to $80 per week for the care of a family member in order for the person to work or to be retrained. Family members under age 13, or those physically or mentally incapable of caring for him - or herself, qualify if they are dependent on the employee for support, and are cared for by someone other than a relative.
- Medical Expenses
- reasonable costs incurred for medical treatment, physical therapy, and adaptive equipment necessary for he employee's vocational rehabilitation. This would only be in excess of amounts paid or payable by third parties and any amounts under a policy of medical coverage.
- Moving Expenses
- This includes costs incurred to move more than 35 miles so that the employee can attend school or accept gainful employment.