How do I know if I am eligible for this benefit?

See "Eligibility" section above. Also, you will find all of the PetWow benefits for which you are currently eligible under the MY INFO "Benfits Tab" within your BambooHR (https://app.bamboohr.com/login/)account.

When can I enroll in this benefit?

See "Eligibility" section above.

How is this benefit provided or paid for?

PetWow pays each eligible team member's long term disability premium directly to the Long Term Disability Insurance Carrier. There is no cost to the eligible team member whatsoever.

What happens to this benefit if I stop working at PetWow?

Because disability insurance is designed to protect your income at PetWow against loss due to a disability event, when someone no longer works for PetWow, the plan automatically expires since there is no longer a PetWow income for the insurance to protect. Of course, someone who leaves PetWow to pursue employment elsewhere is free to seek disability insurance through their new employer.

Who do I contact if I have additional questions about this benefit?

If you have additional questions about PetWow's Long Term Disability plan, please contact PetWow Human Resources.(javascript:void(0))

Long Term Disability

LONG TERM DISABILITY

Benefit Summary

PetWow offers eligible staff members participation in PetWow’s robust group long term disability plan through Sun Life Financial. PetWow's Group long term disability plan is 100% employer paid so eligible staff members pay absolutely nothing for this crucial benefit.

Petwow's long term disability policy through Sun Life Financial protects your income in the case of off the job accident or disability beginning after 90 days (which is typically when any "short" term disability plan will end). Our long term disability plan will pay out 60% of your earnings up to $4,000.00 per month until you can either return to work, or else reach social security retirement age. Moreover, any payouts are TAX FREE which means that the total spendable income from disability payments will amount to significantly more than 60% of your pre-disability post-tax income.

For a full explanation and description of PetWow's group short term disability policy click HERE.

Eligibility

Basic Eligibility:
- A Team member must have "Full-Time" employment status, which means having averaged 64 hrs per bi-weekly pay period (32 hrs/week) over the last 6 bi-weekly pay periods (or if newly hired, anticipated to average 32 hrs/week over the next 6 bi-weekly pay periods); or hold a managerial, professional groomer, or veterinarian job title. Calculated hours include regular hours, overtime hours, paid vacation hours, paid holiday hours, paid sick day hours, and paid continuing education hours.

Waiting Period:
- All eligible newly hired team members will immediately be added to the Long Term Disability plan within the 30 day window immediately following their 90th day of employment. In addition, Human Resources runs a report each quarter to determine if any team member's average hours per week warrant a change in their formal employment status such that they should be designated Full-Time (i.e. 32+ hours/week). Any team members who warrant a change to Full-Time status will be immediately enrolled in PetWow's Long Term Disability benefit. There are no additional "Qualifying Events" which afford team members the opportunity to enroll in the retirement plan outside of either the Initial or Annual Open Enrollment periods.

To verify current eligibility, please refer to the "Benefits Tab" within your "MY INFO section of BambooHR.

Enrollment

Initial Employment Eligibility and Enrollment: Upon initial employment, it will be determined whether or not you are likely to meet the hours/week eligibility threshold. Those new staff members who meet the threshold will be automatically added to the plan after 90 days of employment.
Subsequent Eligibility and Enrollment: On an annual basis, PetWow's Human Resources department evaluates all active staff members to determine their eligibility for various benefits. If a staff member who was not previously eligible for long term disability is determined to have become eligible, they will be automatically enrolled during the open enrollment window.

Ongoing Plan Management

CUSTOMER SERVICE

If you have questions which you would like to discuss via phone about your Sun Life Financial policy or claims please call Crawford Insurance at 859-581-2088 or contact the Sun Life Financial directly at 1-800-733-7879.

ONLINE ACCOUNT & CLAIMS MANAGEMENT

Utilize Sun Life Financial's Online Advantage Program
- With Online Advantage you can view your benefit information online at your convenience. It's an e-service solution that we offer to plan members to find information about your benefits with the click of a mouse! At any time you can login to view information about your benefits. For plan members you can:
  - View eligibility
  - View claims status
  - Change facility (for prepaid members)
  - Request ID card
  - Dental cost estimator
  - Search for a network dentist
  - Contact customer service
- To register for Online Advantage, click HERE.

MOBILE APP

Sun Life Financial also provides a free app which you can download to your SmartPhone to manage your disability plan on the go. Click HERE for more details.

OTHER PLAN MANAGEMENT ISSUES

For all other long term disability plan management questions please email PetWow Human Resources.

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