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 the activities of your job. A "total disability" is defined as a serious health condition, pregnancy, injury, recovery from a procedure or you have an illness caused by a Pandemic (as described below) 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.
A Pandemic means that (1) Citi has determined, in its sole discretion, that a disease poses a health threat to Citi employees and (2) you are diagnosed as having contracted the disease and are symptomatic, considered contagious, or otherwise determined by Citi in its sole discretion to be eligible for STD benefits.
Effective January 1, 2020 and until further notice, Citi has determined that the Coronavirus disease - 2019 (also known as "COVID-19") is a Pandemic posing a health threat to Citi employees for purposes of STD benefits. As such, you are eligible for STD benefits if you are diagnosed as having contracted COVID-19 and due to such diagnosis are symptomatic, considered contagious, experiencing serious health complications, or subject to a quarantine or similar movement restriction imposed by a United States federal, state or local government. In the event you are subject to a subsequent health condition that satisfies the definition of a Pandemic, you will be eligible for an STD benefit based on the schedule of benefits noted above.
To qualify for STD benefits, you must be receiving appropriate care and treatment on a continuing basis from a licensed health care provider, and, if applicable, provide reasonable substantiation that you are absent from work due to a Pandemic. Unless you are experiencing a disease caused by a Pandemic, 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 cannot 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 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 you are a benefits eligible employee (other than U.S. Wealth Management employees who hold the title of Senior Wealth Advisor or its equivalent ("SWA"), you will be eligible to receive 100% of your base pay for up to 13 weeks if you experience a disease caused by a Pandemic regardless of the length of your Citi employment.
If you are an SWA, you will be eligible to receive a minimum benefit of 80% of your benefits eligible pay (plus incentive compensation in employee accounts up to a maximum of 100% of your benefits eligible pay) for up to 13 weeks if you experience a disease caused by a Pandemic regardless of the length of your Citi employment.
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.
STD benefits may be offset by any monies owed to Citi and/or by any state benefits, including Workers' Compensation and Social Security disability benefits. However, the Disability Plan does not subrogate STD 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.
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 or 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.