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IMPORTANT: If you do not elect your benefits during the annual Open Enrollment period or within 31 days of your date of hire, you will not have Roper St. Francis Healthcare health plan coverage until the next year unless you have a qualified life event as defined by the IRS.
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If you can’t find an answer to your question after reviewing the information on this site, please email HRBenefitsTeam@rsfh.com or call (843) 720-8400.
Long-Term Disability
Roper St. Francis Healthcare pays the full cost of Long-Term Disability insurance for full-time teammates working 30 hours/week or greater. Teammates hired on or before November 30, 2023, will be automatically enrolled in Long-Term Disability insurance effective Jan. 1, 2024. Teammates hired on or after December 1, 2023, will be automatically enrolled in Long Term Disability insurance effective the first of the month following six months of employment.
Long Term Disability insurance provides income protection to full-time teammates who are unable to work for an extended period of time due to a covered sickness or injury. Long Term Disability begins after a 180 day elimination period (when short term disability should be applicable), and pays 60 percent of the teammate’s base monthly earnings up to a monthly maximum of $15,000. The plan is insured by Sun Life. The maximum benefit duration is based on the age at disability:
| Age at Disability | Maximum Benefit Duration |
|---|---|
| Less than age 60 | To age 65, but not less than 60 months |
| 60 | 60 months |
| 61 | 48 months |
| 62 | 42 months |
| 63 | 36 months |
| 64 | 30 months |
| 65 | 24 months |
| 66 | 21 months |
| 67 | 18 months |
| 68 | 15 months |
| 69 and over | 12 months |
If you become disabled within 12 months of your insurance taking effect or 12 months following any increase in your amount of insurance, Sun Life will not pay any benefit for any pre-existing condition. A preexisting condition includes anything you have sought treatment for in the 3 months prior to your insurance becoming effective. Treatment can include consultation, advice, care, services or a prescription for drugs or medicine.