Short-term disability
Endeavor offers voluntary employee-paid coverage to full-time employees (living outside California) that pays a disability benefit for up to 51 weeks.
The loss of income due to an illness, injury, or accident can cause serious financial hardship for your family. Disability insurance provided through New York Life replaces a portion of your income to help you continue paying your bills and meeting your financial obligations during this difficult time. Benefits are paid in the event of a non-work related accident or debilitating event.
Disability insurance plans
Long-term disability
Long-term coverage protects you from the financial impact of an extended disability. Both basic Company-paid coverage and supplemental employee-paid coverage are offered.
ADA Accommodations
Endeavor offers various accommodations as part of the Americans with Disabilities Act (ADA). If you are having difficulties performing your job due to a disability, you may qualify for a reasonable accommodation to help you. An accommodation may consist of:
- Additional time off due to ongoing medical care needed after your 12 weeks of FMLA (Family and Medical Leave Act) job-protected leave has ended.
- Modified job arrangements.
- Worksite accommodations, such as a standup desk.
To request an ADA accommodation, contact New York Life, who will review your request and determine the appropriate course of action. New York Life will assign you a Vocational Coach and suggest potential accommodations for Endeavor to evaluate and approve.
Your Vocational Coach will guide you through the ADA process, which starts when you contact New York Life at (888) 842-4462 (for Spanish-speaking needs, call (866) 562-8421). Provide your name, Social Security number, and date of birth and explain that you are seeking options for how your physical impairment can be accommodated to perform your essential job duties.
- Coverage is optional and employee-paid; you can enroll through Workday as a new hire without EOI (Evidence of Insurability) or at any time with EOI.
- Benefits begin after a seven-day waiting period from the date of disability.
- Pays 60% of weekly covered earnings, up to a maximum of $1,620/week for 2024.
- Benefits end after 51 weeks or until you no longer qualify for benefits, whichever occurs first.
- The New York Life Claims Department determines eligibility for benefits.
- Employees who work in California are eligible for the weekly disability benefit offered through the state (details below).
Definition of disability
Disability means that, solely because of a covered injury or sickness, you are unable to perform the material duties of your regular occupation, and you are unable to earn 80% or more of your covered earnings from working in your regular occupation. Proof of earnings and continued disability is required to receive benefits.
Definition of covered earnings
Covered earnings include your wages or salary and 100% of the prior year’s bonuses as of January 1. It may include commissions as well, but does not include overtime pay.
If you receive any employment income while receiving disability benefits, your benefits will be reduced for any week that benefits plus employment income exceeds 100% of your weekly covered earnings.
Evidence of insurability (EOI)
If you are eligible (based on your work location) for the voluntary short-term disability coverage and you waive this benefit as a new hire, you will be required to provide EOI by completing a medical questionnaire if you choose to enroll in this coverage at a later date.
The completed questionnaire will be sent to New York Life for review. New York Life reserves the right to either approve or deny your request for access to this coverage as a late entrant. Once New York Life has made their decision, they will notify you by mail. For additional questions about this process, please contact US_Benefits@endeavorco.com.
State-mandated plans
In some instances, short-term disability insurance is provided by certain states, in which case it is funded by mandatory employee contributions. Employees can lower the tax they pay to their state since their contributions are tax-deductible.
California State Disability Insurance (SDI)
- Pays 60–70% (depending on income) of wages earned 5–18 months prior to your claim start date. To calculate wages visit: https://edd.ca.gov/en/disability/Calculating_DI_Benefit_Payment_Amounts/
- Benefits continue up to 52 weeks, as long as you remain disabled.
- To file a claim, call (800) 480-3287 or visit http://edd.ca.gov.
- You do not have the option to purchase additional coverage through New York Life.
New Jersey Temporary Disability Benefits (TDB)
- Pays 85% of your weekly salary. For more information, visit: https://www.nj.gov/labor/myleavebenefits/worker/tdi/
- Benefits continue up to 26 weeks, as long as you remain disabled.
- You have the option to purchase additional coverage through New York Life.
New York Disability Benefits Law (DBL)
- Pays 50% of your weekly salary. For more information, visit: https://www.wcb.ny.gov/content/main/DisabilityBenefits/employee-disability-benefits.jsp
- The maximum benefit is for a period of 26 weeks of disability during any 52 consecutive-week period combined with New York PFL.
- You have the option to purchase additional coverage through New York Life.
- Basic long-term disability coverage is automatic and company-paid; no need to enroll.
- Benefits begin after you have been disabled and unable to work because of a covered injury or sickness for 90 days.
- Pays 50% of your salary, up to a maximum monthly benefit, based on your annual salary: $10,000/month for employees earning less than $240,000; $15,000/month for employees earning $240,000 or more.
Supplemental long-term disability
- Coverage is optional and employee-paid on an after-tax basis; you can enroll through Workday as a new hire without EOI (Evidence of Insurability) or at any time with EOI.
- Provides additional coverage that increases your benefit to 66.67% of your monthly earnings, up to a maximum benefit based on your salary: $13,340/month for employees earning less than $240,000; $25,000/month for employees earning $240,000 or more.
Evidence of insurability (EOI)
If you are eligible for voluntary supplemental long-term disability and you waive this benefit as a new hire, you will be required to provide EOI by completing a medical questionnaire if you choose to enroll in this coverage at a later date.
The completed questionnaire will be sent to New York Life for review. New York Life reserves the right to either approve or deny your request for access to this coverage as a late entrant. Once New York Life has made their decision, they will notify you by mail. For additional questions about this process, please contact US_Benefits@endeavorco.com.
Definition of disability
Disability means that due to a sickness or as a direct result of an accidental injury:
- You are receiving appropriate care and treatment and complying with the requirements of such treatment. Appropriate care and treatment means that medical care and treatment is being provided by an appropriate medical professional/clinical specialty; is consistent with physician’s diagnosis of disability, consistent in type, frequency, and duration with relevant guidelines; and is intended to maximize medical and functional improvement.
- You are unable to perform the material duties of your regular job and unable to earn 80% or more of your covered earnings from working in your regular job.
Exclusions:
A benefit will not be paid for any disability caused or contributed to by:
- War, whether declared or undeclared, or act of war, rebellion, or terrorist attack.
- Any injury for which you are entitled to benefits under Worker’s Compensation or a similar law.
- Commission of or attempt to commit a felony.
Benefit process
- Notify your supervisor of an absence expected to last more than three days.
- Your supervisor will notify local HR and stop approving PTO for absences lasting more than three days.
- Your date of disability will be determined based on a physician’s statement.
- There is a 90-day elimination period before LTD benefits are paid.
- The STD and LTD benefits paid by New York Life are integrated after 90 days (upon approval).