Disability

Short-Term Disability

Short-Term Disability (STD) coverage is provided automatically, at no cost to you. STD helps protect all or part of your income if you become unable to work due to illness, injury or pregnancy. The plan covers absences that last four or more consecutive calendar days (or 24 consecutively scheduled work hours for 10- and 12-hour shift workers) for Salaried and ATLC bargaining unit employees. For IGUA bargaining unit employees the plan covers absences that last more than 24 consecutive work hours. Casual employees are not eligible for STD.

ATLC and IGUA Bargaining Unit employees should refer to their bargaining unit agreements.

Short-term disability continues part of your pay for up to 180 calendar days (six months) of disability, based on your length of service. Salaried employees who have been employed for less than six months accrue 30 calendar days of disability benefits for each month of service completed as of the first day of disability.

The following three tiers of benefit payments apply:

Tier 1: 100 percent of pay for the first 42 calendar days (6 weeks) of disability

Tier 2: 80 percent of pay for the next 42 calendar days (6 weeks) of disability

Tier 3: 60 percent of pay for the remaining 96 calendar days (14 weeks) of disability

Long-Term Disability

Coverage under the long-term disability (LTD) plan is provided automatically, at no cost to you. All regular full-time and part-time employees are eligible for long-term disability benefits. Temporary full-time and casual employees are not eligible.

Long-term disability continues up to 60 percent of your pay after you have been disabled for 180 calendar days, with benefits payable up to $15,000 for salaried employees, up to $5,000 for ATLC and IGUA bargaining unit employees until you reach age 65 or your disability ends.

Workers’ Compensation

To receive workers' compensation benefits, you must have an injury by work related accident or an occupational disease while performing some activity which falls within your scope of employment.

The benefits provided under Tennessee's Workers' Compensation law are set out in Tennessee Code annotated, Title 50, Chapter 6.

A summary of the benefits are: (1) payment of medical expenses directly related to the treatment of the injury, (2) payment of temporary disability benefits until you are able to return to your job, (3) payment of permanent disability benefits if your compensable injury permanently lessens your ability to perform your job, and (4) death benefits which are payable to dependents if your compensable injury leads to your death.