Disability

Boston Children’s pays the full cost of your STD insurance. You’re automatically enrolled in STD after completing 90 days of continuous service.

How STD Works:

• If you become disabled and are unable to work due to a non-work-related illness or injury for seven or more calendar days, you may be eligible to receive up to 60% of your weekly base pay, up to a maximum of $2,000 per week, for up to 26 weeks. This amount is in coordination with your state’s disability program.
• If you become disabled, you must file a claim with both the Massachusetts Department of Family and Medical Leave (DFML) and Lincoln Financial. Note – this process may differ if you work and live in a different state.
• Note that benefits begin after the 7-day elimination period (no payments during this time).
• Payments are taxable income; FICA is automatically withheld. You may request federal and state tax withholding during the application process.
• For full details, refer to the Leave of Absence page and HR Policy Manual and contact HR Absence Management team on The Hub 2.0

Massachusetts Paid Family Leave (MAPFML)

If you are a resident of Massachusetts, you are eligible for Massachusetts Paid Family Leave (MAPFML). STD and MAPFML work together to ensure that you have income during your leave. Here’s how they work together:

• If you go out on STD, if eligible, you’ll also receive a payment through the Massachusetts Paid Family and Medical Leave (MAPFML) program.
• Your STD payment from Lincoln Financial will be reduced by the amount you receive from MAPFML.
• Your STD coverage doesn’t change, but benefits will be paid separately by the state and Lincoln Financial.
• In some cases, your MAPFML payment may equal or exceed your STD benefit — in those situations, you won’t receive an additional payment from Lincoln Financial.
• If your MAPFML claim is denied you may still be eligible for an STD benefit.