Citi Benefits Handbook
Short-Term Disability (STD)
The STD benefit is a core benefit available to all benefits-eligible employees. No enrollment is necessary. However, you must report all disabilities to MetLife, Citi's disability claims administrator, before you can receive a benefit. To report your disability, call ConnectOne at 1 (800) 881-3938. See the For More Information section for detailed instructions, including TDD and international assistance. You also can call MetLife directly at 1 (888) 830-7380.
For a description of your responsibilities and those of MetLife when you report a disability, see the Managed Disability brochure.
STD pays 100% or 60% of base salary (not benefits eligible pay) during an approved disability of up to 13 weeks based on your years of service. For newly hired and rehired employees (regardless of prior service), there is a 90-day waiting period before disability benefits are payable (as shown in the following schedules of benefits).
STD Schedule of Benefits —
Benefits eligible employees (other than CPWM employees who hold the title of Financial Advisor ("FA") or its equivalent)
Years of service
Weeks at 100% of base salary
Weeks at 60% of base salary
Total weeks of base salary
Less than 90 days
0
0
0
More than 90 days but less than 1 year
1
12
13
1 year but less than 2 years
4
9
13
2 years but less than 3 years
6
7
13
3 years but less than 4 years
8
5
13
4 years but less than 5 years
10
3
13
5 years or more
13
0
13
STD Schedule of Benefits—
CPWM Employees who hold the title of FA or its equivalent
Years of service
Minimum benefit (% of benefits eligible pay)
Plus additional benefit
Maximum benefit (% of benefits eligible pay)
Less than 90 days
0
0
0
More than 90 days but less than 3 years
60%
Incentive compensation from employee's accounts for up to 13 weeks
100%
3 years but less than 7 years
70%
Incentive compensation from employee's accounts for up to 13 weeks
100%
7 years or more
80%
Incentive compensation from employee's accounts for up to 13 weeks
100%
Paid Pregnancy Leave (PPL)—
Benefits eligible employees (other than CPWM employees who hold the title of FA or its equivalent)
Years of service
Weeks at 100% of base salary
Weeks at 60% of base salary
Total number of weeks paid
Less than 90 days
0
0
0
More than 90 days but less than 1 year
1
15
16
1 year or more
16
0
16
Paid Pregnancy Leave —
CPWM Employees who hold the title of FA or its equivalent
Years of service
Minimum benefit (% of benefits eligible pay)
Plus additional benefit
Maximum Benefit
Less than 90 days
0
0
0
More than 90 days but less than 1 year
70%
Incentive compensation from employee's accounts for up to 16 weeks
100% of benefits eligible pay
1 or more years
80%
Incentive compensation from employee's accounts for up to 16 weeks
100% of benefits eligible pay
For CPWM employees who hold the title of FA or its equivalent: Upon return from PPL, the FA Compensation area will review your compensation paid while on leave. If the total incentive compensation generated from your book of business while you were on a PPL exceeds the total minimum benefit paid to you, the difference will be paid to you as an additional benefit up to the maximum benefit upon your return to work.
Paid Pregnancy Leave must be taken consecutively.
For non-salaried employees: The STD benefit will be calculated by your business but will not exceed 100% of your benefits eligible pay for benefits purposes. Ask your HR representative for details.