What qualifies as a disability?
In order to qualify, Sedgwick CMS, our leave and disability administrator must determine that you meet the Plan requirements for a disability and are unable to perform your job duties or an alternative position offered to you by Gap Inc. or because of a disabling condition and you are not able to earn 80% if your covered earnings.
What is the difference between Short-Term Disability and Long-Term Disability?
Short-Term Disability benefits are in place for up to 180 days if you can't work because of a non-occupational illness or injury. Long-Term Disability benefits begin after your Short-Term Disability coverage has expired (or after 180 calendar days of disability), and replace part of your income if you are a full-time employee and become disabled due to a covered illness or injury.
How do I file a disability claim?
First, gather your leave and disability information, including:
Then, call Gap Inc.'s Leave and Disability Administrator at 800.GAP.9680.
After reporting your leave and/or disability claim, you will receive a Leave of Absence packet within two business days that contains information and forms you may need.
How will I be receiving my disability benefits?
Gap Inc. will be administering the payment of the company's short term disability plans (STD, STD Plus) for employees that are out on a medical leave of absence and receiving disability benefits. Payments will be made according to your pay cycle and will be delivered to your home address if you do not have direct deposit. Please note that Sedgwick CMS will no longer be administering the payment of the short term disability benefit.
For questions pertaining to the status of your disability claim, the calculation of your gross benefit or questions about a state disability offset, please contact Sedgwick CMS at 800.GAP.9680. For questions regarding taxes, garnishments or benefits deductions, please reach out to Employee Services at 866.411.2772, x20600.
What is imputed income?
Imputed income means you pay taxes up front on the cost Gap Inc. is paying for your basic disability coverage so that any disability benefits you receive will be tax-free.
If I am on Worker's Compensation, how do Gap Inc.'s disability plans work with my worker's compensation benefits?
If you are receiving worker's compensation benefits, you are not eligible to receive any short-term disability benefits. However, you may be eligible to receive long-term disability benefits. To find out if you qualify for long-term disability benefits while you are receiving worker's compensation benefits, call 800.GAP.9680.
What is the "waiting period" before disability benefits begin?
The waiting period is the length of time you have to be away from your job because of a disability before becoming eligible for benefit payments under Gap Inc.'s Short-Term Disability (STD) Plans. There is a seven consecutive day waiting period under the STD Plan. The waiting period begins on the day you miss work due to your disability and continues for seven days. If you meet the Plan requirements, you will be eligible for bi-weekly STD benefits beginning on the eighth consecutive day of your disability. If you are confined overnight in a hospital during the waiting period, the remainder of your waiting period will be waived. You will be eligible for benefits beginning on the first day of your hospital stay.
Can I use my PTO during my seven day waiting period?
Yes, you may use your PTO during the waiting period.
Can I use my PTO hours to supplement my disability benefits?
Yes, you may use your PTO hours to supplement the difference between your STD or LTD benefits and your regular wages.
When do I need to report my PTO request? Who do I call to report my PTO?
You can request your PTO up to two weeks in advance. You need to report your PTO request through Employee Services 866.411.2772, ext. 20600.
How long do my Long-Term Disability benefits last? Is there a maximum amount of benefits I can receive?
Depending upon your situation and medical condition, you may be able to continue your disability benefits up to Social Security retirement age. Gap Inc. offers two Long-Term disability plans: LTD (55% of your monthly wages) or LTD Plus (65% of your monthly salary). Both plans have a maximum benefit of $25,000 per month. To find out which plan you are enrolled in, view your current elections on "How do I select, change, and confirm my benefits? " on the Benefits home page.
How do Gap Inc.'s disability plans work with my state disability plan?
If you live in a state with a state-mandated disability plan, the state disability program will pay first. Then the Gap Inc. disability plan will pay the difference, if any, up to the maximum benefit. If you are receiving disability pay from your state, that amount will offset your total disability benefit that you receive from Gap Inc. For example, a California employee participating in the STD Plan receives 55% of pay for state disability. Since the employee is in the STD Plan, Gap Inc. will offset the 60% with the 55% they received from the state, leaving 5% to be paid out by Gap Inc. This amount will be subject to taxes and benefit deductions and may put the employee in arrears if there is not enough of a benefit to deduct from.
How do I know if I'm eligible to receive disability pay from my state?
Employees who work in California, New Jersey, Rhode Island, Hawaii, New York and Puerto Rico may be eligible to file for state disability pay. The Short-Term Disability and Long-Term Disability benefit plans will be coordinated with any pay you receive from state disability.
Do my health care benefits continue if I'm on short or long-term disability leave?
You may elect to continue benefit coverage for yourself and your eligible dependents while on medical leave, provided that you continue to pay all required contributions during your leave.
How do I pay for my health insurance while I am out on my leave?
Once you are receiving disability benefits, the health premiums that you have elected to continue will be deducted from your disability checks. After you are no longer receiving disability checks, you will be responsible for the missed benefit deductions when you return from leave. Upon return from leave all regular benefit deductions (medical, dental, vision, etc.) will be doubled to cover your current benefits plus a portion of benefit deductions you were responsible for while on leave. Deductions will continue to be doubled until your obligation is met. By paying for missed benefit premiums through payroll, you are able to take advantage of the deduction on a pretax basis.
What if I have returned from a disability leave and am getting double deducted from my paycheck for benefits premiums?
Please contact the CSSC for resolution at 866.411.2772 (x20600).