Short Term Disability Benefits
If you get injured or become sick and are unable to work, you may be eligible for Short Term Disability Benefit.
If you are eligible for Class 1 Insurance Benefits and become disabled (unable to work), you can get a monetary benefit from the OLDC-OCA Insurance Fund. Often called A&S benefits (for Accident and Sickness), this benefit pays $280 per week (after standard FICA and Medicare withholdings) for a maximum of 20 weeks for non-work related disabilities. (There are no monetary benefits available for work related disabilities.) A period of less than a full week will be calculated on a daily basis. Your date of disability cannot be earlier than the day after you last worked.
If you insurance eligibility (under all Classes – 1, 2, 3, or 4) terminates during a period of disability, your Short Term Disability payments will cease upon the last day of eligibility.
In order to get this benefits started, you need to complete the Short Term Disability form. You need to complete the top section of the form and have your doctor complete the bottom section. Once you and your doctor complete your respective sections, simply send the form to the Benefits Office, or upload the completed for through your MemberXG account.
All claims must be filed within 15 months of the initial date of disability. Claims filed after the 15 months will be denied as untimely.
This benefit is taxable. If you do not complete and submit a W-4 with the disability form, federal taxes will be withheld from your Short Term Disability benefits at a standard withholding of single with Zero Allowances. You should contact the Ohio Laborers Benefits office to get federal (W-4) and state tax forms if interested.
Once the Ohio Laborers Benefits office is in receipt of the disability form and the information is verified with your doctor, your payments may begin. For disabilities related to sickness, there is a one week waiting period before the benefit will start. There is not a waiting period for accidents. Short Term disability check are mailed every Friday.
If your disability lasts ten weeks or longer, you will be required to complete a disability continuance form. The continuance form is used to make sure your return to work date has not changed. The form is mailed with weekly check prior to your tenth week of disability. Like the initial blue form, both you and your doctor must complete a portion of the form. If the continuance form is not returned to the Ohio Laborers Benefits office by week ten, your benefits will be suspended until receipt.
In addition to the monetary benefit, you may be entitled to disability credit hours (DCH) from the OLDC-OCA Insurance Fund and the LDC&C Pension Fund of Ohio. The Insurance Fund grants 28 DCH per week up to a maximum of 300 hours per disability. This may extend your insurance eligibility even though you are unable to work. The Pension Fund grants 40 DCH per week up to 2,000 DCH or 2 pension credits in a lifetime. If you have already worked 1,000 hours in the year of the disability, no DCH will be granted. If you have worked less than 1,000 hours in the year of the disability, DCH may be granted to get you to 1,000 hours in that year. There are no filing time limits associated with pension DCH.
If your disability was work related, there are no monetary benefits available to you from Ohio Laborers Benefits. However, you may be entitled to the Disability Credit Hours. In order to get the DCH from the Insurance Fund, simply complete and submit the blue disability form for review. In order to get Pension DCH, the disability must have resulted in your laboring employment with a signatory contractor, The following documentation from the Ohio Bureau of Workers’ Compensation (BWC) must be provided to grant the pension DCH:
- The type of benefits received (Temporary Total, Living Maintenance, and Wage Continuation claims only),
- The time period the benefits were received,
- The date of injury, and
- The name of the company on which the claim was filed.
No benefit is provided for loss caused by or resulting from:
- Declared war or undeclared war or any act of war;
- The use of amphetamine, barbiturate, hallucinogen, narcotic, or other drug, except when prescribed by a physician and used in accordance with his or her direction.
- Injury or Sickness arising out of or in the course of occupation or employment for compensation, profit or gain, and which is compensable under any Workers’ Compensation or Occupational Disease Act or Law (if you have a work related disability and are denied benefits from a workers’ compensation program, you may still be eligible for a Short Term Disability benefit);
- Disability while receiving pension benefits. However, if the disability occurs prior to the pension effective date, such benefits will continue to be payable for that period of disability, subject to the maximum Benefit Period;
- Self-inflicted injury while sane or insane;
- Participation in felony attempted or committed assault (intentional or unintentional);
- Treatment of Drug Abuse or Chemical Dependency; or
- Injuries or Sickness caused in a motor vehicle accident if the Covered Individual was operating the vehicle while intoxicated (had a blood alcohol level that exceeded the legal limit of the jurisdiction in which the accident occurred or no breathalyzer exam was performed or the person refused to submit to a requested breathalyzer or blood test) or was under the influence of illegal drugs; unless the injuries arise as a result of a physical or mental health condition.
* Successive disabilities restriction: If you are disabled at multiple times from the same or related condition, the Fund will treat all of the periods of disability as one period, unless you return to active employment for four consecutive weeks (160 hours) between the periods of disability.
To the extent any information in on this page conflicts with the plan documents or the summary plan descriptions of the OLDC-OCA Insurance Fund or the LDC&C Pension Fund of Ohio, those documents shall prevail. If you have any questions about Short Term Disability, please contact the Ohio Laborers Benefits office at 1-800-236-6437 or email the Insurance Department at firstname.lastname@example.org.