Disability coverage provides you with a portion of your income if an illness or injury prevents you from working. Dell offers two types of disability benefits: short-term disability (STD) and long-term disability (LTD).
Dell pays the full cost of the premiums for STD coverage, and you are automatically covered as shown below. Dell's STD coverage is administered by Prudential Sedgwick. This table shows how the STD program pays benefits:
|If you're a Dell team member|
|Eligibility||You're eligible to receive STD benefits after working at least 30 calendar days.|
|Waiting period (applied each time per incident in a 12-month period)||Benefits are payable after 7 calendar days. Vacation or personal business allowance (PBA) or PTO (Dell Services Federal Government [DSFG]) time must be used during the elimination period for the first claim only.|
|Payments at 100% of daily benefit-eligible earnings||Up to 30 calendar days following 7-calendar day elimination period (days 8 through 37 of disability), per incident.|
|Payments at 60% of daily benefit-eligible earnings||Up to 143 calendar days following 30 days of 100% coverage (up to total maximum of 180 days per incident)|
Family and Medical Leave Act (FMLA)
As part of your STD coverage, FMLA provides up to 12 weeks of unpaid, job-protected leave in a rolling 12-month period for the birth and care of your newborn, for the placement of your adopted child or foster child, for your own serious health condition, or to care for an immediate family member with a serious health condition. Must be employed for at least 12 months and have worked at least 1,250 hours during the 12-month period immediately before the start of the leave. For more information, go to Inside Dell > You and Dell > Global Benefits Home > Taking Time for Yourself > Leave of Absence.
Important: Benefits changes due to life events (such as having a baby or getting married) must be reported to the Dell Benefits Center within 31 days.
Parental leave (effective January 1, 2017) is a paid leave that can be taken by parents following the birth of a child or placement of a child in connection with adoption or foster care during the last 12 months. This leave is offered in addition to short-term disability coverage and goes along with FMLA leave. To be eligible for parental leave, the birth, adoption or foster care placement must have taken place on or after January 1, 2017.
|Pay and benefits||
Note: You must call the Leave and Disability Center 30 days before your leave.
For more information, contact the Leave and Disability Center at 1-855-857-0325.
Long-term disability (LTD)
Long-term disability is a benefit you must elect and pay for through payroll deductions if you want coverage. LTD coverage is provided by Prudential Sedgwick.
- Evidence of insurability (EOI) is not required if you elect coverage during new hire enrollment.
- LTD continues to pay if you are still disabled after 180 consecutive calendar days.
- LTD payments are equal to 60 percent of benefit-eligible earnings (maximum monthly benefit of $10,000).
For more information
Life and accident insurance
Dell provides basic employee life and accidental death and dismemberment (AD&D) insurance coverage at no cost to you. You can also purchase supplemental life insurance coverage on yourself and your family. Life and AD&D insurance is administered by Securian Life.
Basic life and AD&D insurance
You do not need to enroll in basic life or AD&D insurance — coverage is automatic. However, you still need to elect a beneficiary and designate whether or not you're a tobacco user. Coverage includes:
|Employee basic life
(administered by Securian Life)
|1x your benefit-eligible earnings ($1 million maximum) (You must pay a legally required imputed income tax on any value of coverage greater than $50,000.)|
(administered by Securian Life)
|1x your benefit-eligible earnings ($1 million maximum)|
|Employee business travel accident
(administered by ACE USA Accident & Health)
|3x your benefit-eligible earnings|
Supplemental life insurance
This coverage pays benefits in addition to basic employee life insurance to help protect your family in the case of unforeseen events. Dell has negotiated special life insurance rates from Securian Life to help keep costs down. To see your rates, visit Your Benefits Resources™ website (@ Work | Log in ).
You can buy supplemental life insurance coverage for yourself in amounts up to 8x your benefit-eligible earnings (in $1,000 increments, up to a maximum of $3 million). If you make your election within 31 days of your new hire date, you can elect up to the lesser of 3x your benefit-eligible earnings or $500,000 without having to provide evidence of insurability (EOI). All other supplemental life insurance elections require EOI and must be approved by Securian Life before coverage becomes effective.
Do you need supplemental life insurance?
Experts suggest that a family should have minimum life insurance coverage of 4x annual pay. On average, Dell team members carry less coverage than is recommended, and depending on your financial situation, you may need more. Consider:
- What would happen to your family if they lost your income?
- How would they pay the bills, mortgage and college expenses for the kids?
Securian Life has information and a calculator to help you choose the level of coverage you need. Learn more.
Keep in mind: Getting coverage today — while you're healthy — means you won't run the future risk of being denied coverage by Securian Life (under Dell's benefits) because of a health condition that could pop up tomorrow.
Don't forget to protect yourself
What would happen to you if your spouse or domestic partner or child died? Could you make ends meet on only one income? What about expenses if a child died? You can protect yourself financially by purchasing supplemental life insurance for your spouse or domestic partner and children at affordable rates. You can purchase coverage for your:
- Spouse or domestic partner of up to 3x your benefit-eligible earnings, in ½ x pay increments, to the maximum of $500,000. (To cover your spouse or domestic partner, you must elect supplemental life insurance for yourself in an equal or greater amount.)
- Eligible dependents in increments of $5,000, $10,000 or $15,000 per child. (To cover your child(ren) you must elect supplemental life insurance for yourself.)
Things to know about life insurance
- You must complete an evidence of insurability (EOI) form when enrolling in supplemental life insurance at any time after your new hire eligibility period. The EOI form is also required to increase your supplemental life insurance coverage and it's available online for seven days after you enroll. After that a paper copy is mailed to your home.
- Eligible benefit earnings are your salary and targeted commissions only. Bonuses, overtime pay and extra compensation are not included.
Additional benefits from Securian Life
If you’re eligible for benefits — and therefore receiving automatic life insurance coverage — you, your spouse or domestic partner and dependents are eligible for the following services at no additional cost:
Personal travel assistance
Every problem seems bigger when you’re traveling. These travel assistance services are available 24/7/365 for emergency assistance, transport services and pre-trip resources when traveling 100 or more miles away from home. For details, visit the Securian Travel Assistance website or call 1-855-516-5433. Outside the U.S. and Canada, call +1-415-484-4677.
LifeWorks, an affiliate of Ceridian, offers a legal resource library and services, unlimited telephonic legal, financial and grief guidance and consultation with professionals, as well as a free 30-minute consultation with a local attorney for each unique legal issue. Local attorneys are selected by LifeWorks but are independent providers of legal services. Discounts are available if you retain an attorney beyond the free consultation.
There’s no need to enroll. Just contact Ceridian at 1-877-849-6034 or visit portal.lifeworks.com (username: lfg; password: resources).
Beneficiary financial counseling
After the loss of a loved one, beneficiaries often need help with making financial decisions. PricewaterhouseCoopers LLP will provide independent financial counseling, including a personal financial fitness assessment, for beneficiaries who receive at least $25,000 in group life insurance policy proceeds. Information about the program will be sent with the benefit check.
Legacy planning services
You and your family can access resources designed to help individuals and families work through end-of-life issues when dealing with the loss of a loved one or planning for their own passing. For information, visit legacyplanningservices.com.
Accelerated death benefit
If you or your insured family members become terminally ill with a life expectancy of 12 months or less, early payment of up to 100 percent of the life insurance amount (basic and supplemental combined) can be requested.
Child coverage enhancement
If your first eligible child dies within 31 days of birth but prior to enrolling in child life coverage, Securian Life will pay a benefit of $5,000.
Business travel accident insurance (ACE USA Accident & Health)
Additional protection for you while on required business travel away from your permanently assigned place of business. For more information, go to Inside Dell > You and Dell > Global Benefits Home > Employee Benefits Programs > Business Travel Medical and Accident Insurance. Also see "Life and accident insurance."
Global emergency business travel assistance
It can be very stressful if an emergency situation arises during business travel or international relocation. That's why Dell has arranged to provide you and your dependents with worldwide medical, travel, legal and financial assistance services 24 hours a day, 365 days a year. This service is provided by International SOS in partnership with Cigna.
How it works
Print your International SOS membership card and carry it with you at all times. In the event of an emergency, call one of the major worldwide International SOS alarm centers listed on the card or shown below. If you are traveling or are outside the country on Dell business, covered services may include:
Note: Your health insurance pays the medical expenses, but International SOS pays all of the extra covered costs involved in the medical transportation and other travel assistance services. All services must be provided and arranged by International SOS. No claims for reimbursement will be accepted. For a complete description of the benefits and exclusions that may be applicable to your claims, review the ACE Business Travel Medical Policy, policy amendments and medical certificate on the Dell intranet by going to Inside Dell > You and Dell > Global Benefits Home > Employee Benefits Programs > Business Travel Medical and Accident Insurance.
Member number: 11ACPA000027
For emergencies only:
|U.S. or Canada||1-855-516-5433 (toll-free)
|Mexico or South and Central America||00-1-215-942-8226 (collect)|
|Europe, CIS, Africa or the Middle East||44-208-762-8008 (collect)|
|Asia, Australia or the Pacific Rim||65-6338-7800 (collect)|
Be sure to know the country's outbound international dialing code before traveling to that country.