Short-Term and Long-Term Disability Buy-Up

Are the rates or plan design changing for 2023?

Yes. The Short-Term Disability (STD) Buy-Up option rate is increasing slightly and the Long-Term Disability (LTD) Buy-Up option rate is decreasing slightly. There is no change to the benefits available. The rate change is because BBI has aligned the STD benefit period and LTD waiting period to be consistent with market practices. The STD benefit period will be up to 180 days instead of 90 days, and the LTD waiting period will move from 90 days to 180 days.

Will I need to re-enroll in the disability buy-up options?

You will be asked to confirm that you want to continue your current coverage during open enrollment.