We will not pay Short-Term Disability benefits to a plan member who only tests positive for COVID-19, is not ill, and otherwise does not meet the applicable policy’s definition of disability. We will apply the elimination period Self-Isolation

We will continue to adjudicate each claim based on the definition of total disability and,

If a plan member has a flu-like illness but has not been tested or does not have a positive test result for COVID-19: No Positive COVID-19 Test Result and Displays Symptoms We realize that, given current conditions, employers and healthcare providers are operating and communicating in non-traditional ways. Our Claims and Medical Teams will assist in gathering the information needed. This allows us to validate important information such as health status, last day worked, salary information, and also confirm coverage. Plan members and plan sponsors still need to complete a Short-Term Disability claim statement as part of the application process. If the employee remains disabled after that time, we will work with them to obtain required medical documentation. Benefits may be offset by other sources of income. Benefits will begin after the member meets the eligibility requirements, elimination period, and applicable contractual provisions. If a plan member has tested positive for COVID-19, is experiencing symptoms, and cannot perform the duties of their occupation, we will review the member's claim for Short-Term Disability benefits. We have also streamlined guidelines to assist with evaluating COVID-19 disability claims: Positive COVID-19 Test Our Short-Term Disability team works closely with Sun Life’s Medical Director as well as trained Clinicians to deliver the highest quality of service and claim management. Additionally, we have a small team consisting of our top technical experts ready to review claims, help to answer questions and ensure benefit decisions are made timely. Our Short-Term Disability Case Managers have received specialized COVID-19 training. However, there may be situations where an absence or statutory disability claim is supported. We do not pay Short-Term Disability benefits for requests due to asymptomatic quarantine, reluctance in returning to work, or a positive test alone. Short-Term Disability is based on an illness or injury and symptoms that result in an individual being unable to work.

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