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Short Term Income Protection FAQs | Long Term Income Protection FAQs

Income Protection programs offer employees the opportunity to replace their income during periods of disability.

Short Term Income Protection

Henrico County’s Short Term Income Protection (STIP) program is administered by Aetna and coordinates with County leave balances. Employees can elect to purchase coverage for waiting periods of 42 days, 28 days or 14 days. Participating employees may use either their County leave or Aetna STIP benefits during an absence of 90 days or less. STIP benefits provide 60% of an employee’s salary.

View the Short Term Income Protection brochure for additional details.

Long Term Income Protection

Henrico County’s Long Term Income Protection (LTIP) program is administered by the Department of Human Resources’ Benefits Division for employee absences over 90 days. Full-time employees who have completed 6 months of employment are members in the LTIP program. Henrico County provides coverage for up to a $50,000 annual salary at no charge. If your salary is above $50,000 and you have been employed at least six months, you may be eligible to purchase additional coverage for the remainder of your salary. Long-term income protection benefits provide 60% of an employee’s salary.

View the Long Term Income Protection brochures for additional details.

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Short Term Income Protection

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Short Term Income Protection FAQs

When can I enroll in the short-term portion of Aetna’s Income Protection program?
New employees have 31 days from the date of employment to enroll. You may also enroll during the annual Open Enrollment period with certain restrictions.

Can I drop the short-term portion of the plan at any time?
Yes, however, if you choose to drop your coverage, you must wait until the next Open Enrollment period to rejoin and you will only be eligible for the 42-day waiting period without providing evidence of insurability. Also, you would lose all credit for pre-existing conditions and would be subject to the full pre-existing conditions limitation.

Do I have to prove insurability to sign up for the Income Protection program (short term)?
You do not have to provide evidence of insurability if you sign up as a new employee. If you sign up during Open Enrollment for a waiting period of less than 42 days, you must provide evidence of insurability.

Will I need to adjust this benefit if my salary changes?
No, adjustments are made automatically as your salary changes.

When can I expect my benefit payments to start after I have filed a short term disability claim?
If your claim is approved (and was filed within the time requirements), you could expect payments the week after the waiting period you chose when you enrolled (14, 28, or 42 days).

Can I be paid both County leave (sick, annual or other) and also receive an Income Protection benefit?
No, you choose to be paid either County leave or Income Protection benefits.

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Long Term Income Protection FAQs

When does my coverage under the long-term portion of the Income Protection program begin?
All full-time permanent employees are covered after six months of employment. Coverage for your salary up to $50,000 is automatic and you do not have to participate in the short-term portion of the program to be a member of the long-term portion.

What is the cost of the long-term portion of the Income Protection program?
The County provides coverage for your salary up to $50,000 at no cost to you. You can elect to cover your salary that exceeds $50,000 at a biweekly cost of $.50 per $100 of salary divided by 24 pay periods.

If my salary is above $50,000 when should I apply for optional coverage for the additional amount?
You can apply for optional coverage without providing evidence of insurability within 31 days of completing 6 months of employment or within 31 days of your salary exceeding $50,000. If you apply outside of either 31 day period, you will need to provide evidence of insurability.

When can I expect long-term benefit payments to begin?
You may be eligible for long-term Income Protection program benefits after you have been disabled for more than 90 calendar days. Benefits are paid on the last business day of each eligible month.

Can I be paid both County leave (sick, annual or other) and also receive long-term Income Protection benefits?
No, you choose to be paid either County leave or Income Protection benefits.

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