Citi Benefits Handbook
When STD Benefits Are Payable
STD benefits are payable if you incur a total disability while actively at work. "Actively at work" means that you are regularly scheduled to work in the office or at home. You must be able to perform all of the activities of your job. A "total disability" is defined as a serious health condition, pregnancy, or injury that results in your inability to perform the essential duties of your regular occupation for more than seven consecutive calendar days. If you remain totally disabled and are unable to work on the eighth calendar day, STD benefits — if approved — will begin on the eighth day of disability and will be paid retroactive to the first day of disability.
To qualify for STD benefits, you must be receiving appropriate care and treatment on a continuing basis from a licensed health care provider. You are not considered to have a disability if your illness, injury, or pregnancy prevents you from commuting to and from work only. If you are able to perform the essential duties of your job at home or elsewhere, and are unable to commute to work, this limitation does not constitute a disability for benefits purposes. You can't qualify for an STD benefit if you return to work on a part-time basis (except for statutory benefits required under applicable state law).
If you qualify for STD benefits, return to work, and then within a 30-day period you are unable to work as a result of the same or a related total disability, your absence will be processed as a recurrent claim. You will be eligible to receive an STD benefit for the balance of your STD period of up to 13 weeks (for a reduced period to reflect the STD benefits paid during the prior absence) and may qualify for Long-Term Disability (LTD).
If either a recurrent disability or an unrelated disability occurs after you returned to work for more than 30 days following an initial disability, you may be eligible for an additional short-term disability benefit, not to exceed 13 weeks, if approved.
STD benefits are taxable as ordinary income. Citigroup will withhold taxes, as well as deductions for other employee benefits, from STD benefits.
Short-term disability benefits may be offset by any monies owed to Citi and/or by any state benefits, including Worker's Compensation and Social Security disability benefits. However, the Disability Plan does not subrogate short-term disability payments.
No STD benefit is payable for claims submitted more than six months after the date of disability. However, you can request that benefits be paid for late claims if you can show that:
  • It was not reasonably possible to give written proof of disability during the six-month period; and
  • Proof of disability satisfactory to the claims administrator was given as soon as was reasonably possible.
Exclusions
You will not receive STD benefits for any of the following:
  • A disability when your care is not supervised by a qualified physician;
  • Injuries caused by war, international armed conflict, riot, or civil disobedience;
  • Intentional self-inflicted injury;
  • A disability that begins during an unapproved leave of absence;
  • A disability that results from an attempted or committed felony, assault, battery, other public offense, or during incarceration; or
  • A disability resulting from cosmetic surgery, which is a surgical procedure that is not necessary to correct a sickness or injury (except for statutory benefits required under applicable state law).
For Employees Who Work in California
If you are eligible for disability benefits, you are covered by the Citigroup California Voluntary Disability Insurance (VDI) Plan (the "VDI Plan"), unless you reject the VDI Plan. The VDI Plan replaces the state plan. For details, ask your HR representative.
If you are covered by the VDI Plan, you are not eligible to file a claim with the state. You must report your disability to MetLife. 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.