This benefit, which is self-funded by Brown & Brown at no cost to teammates, provides valuable income replacement for you in the event you have a non-occupational injury or illness which prevents you from working your regular work schedule.
Benefit Overview
Short Term Disability
Non-Exempt Employees
Exempt Employees
Benefit Elimination Period
14 days
30 days
Benefit Amount
After the elimination period, (Day 14 - 30) you will receive 75% of your weekly pay and can receive up to 100% of pay if bankable PTO hours are available.
Income replacement at 75%; benefit will be determined using current earnings.
Benefits begin after completion of a qualifying period (QP).
Teammates must use all accrued Short-Term Disability (STD) and Paid Time Off (PTO) bank hours prior to taking unpaid leave during the QP (not to exceed the teammate’s standard hours per pay period), and subject to any local regulations which might otherwise limit the amount of PTO required to be used.
Benefits will be coordinated with state disability plans where applicable.
The maximum duration is 90 calendar days, including any applicable QP or until the person is qualified to work, whichever occurs first.
Important Documents
Please Note: Teammates must provide medical certification substantiating the inability to work and the leave must be approved before benefits will be payable. Please see your Profit Center Team Resources Coordinator for information on how to apply for these benefits.
Income Replacement may supplement any amount the teammate receives, or is eligible to receive, under any State disability income law or other benefit. The combination of such amounts, inclusive of Income Replacement, shall not exceed 75% or 100% of base wages as described in the “Calculation of Income Replacement Benefit” section in the STD Benefit Summary.
For more information on Short-Term Disability, visit The Spot
Long Term Disability Income Replacement
Brown & Brown offers long term disability (LTD) insurance through Cigna. This benefit is designed to replace a portion of your income when you cannot work on a full-time basis because of a non-occupational injury or illness. No medical information required if benefit is elected during your initial enrollment period. If you do not elect coverage for yourself during your initial enrollment period, you may enroll during annual enrollment; however, Evidence of Insurability (EOI) may be required and processed through underwriting.
Benefit Overview
Long-Term Disability
Core Plan
Buy-Up Plan
Benefit Elimination Period
90 days
90 days
Benefit Amount
50% of your monthly covered earnings (100% taxable benefit)
60% of your covered earnings (tax-advantaged benefit)
Benefit Maximum
$5,000 per month
$15,000 per month
Note: The insurance contract includes an Actively At Work provision for first time enrollees which means the full-time performance of all customary duties of an employee’s occupation as of the date of coverage; in addition to a Pre-Existing Conditions Limitations.