Disability Coverage

Short and long-term disability (STD and LTD) plans provide income protection if you are unable to work due to illness or injury.

Short-Term Disability (STD)

All active, full-time employees are enrolled in employee-paid STD coverage in the event you’re unable to work due to injury or illness.

Short-Term Disability
Benefit Percentage 66 2/3%
Weekly Benefit Maximum $1,119
Maximum Period of Payment 26 weeks
24-Hour Coverage No
Elimination Period 8th day after illness or injury
Definition of Earnings Gross weekly income (not including commissions, bonuses, overtime or any other extra compensation).
Minimum of 30 hours per week in the United States, who are citizens or permanent resident aliens of the United States
Short-Term Disability
Group ID: LK751992
Outside of California
New York Life (NYL)
888-842-4462 (STD or FMLA claims)
www.nyl.com
California Short-Term Disability
State of California Employment Development Department
800-480-3287
www.edd.ca.gov
Massachusetts Paid Family Medical Leave (PFML)
MA PMFL Contact Center (833) 344-7365
www.mass.gov/dfml
Washington Paid Leave Program
WA Paid Leave Help Center (833) 717-2273
www.paidleave.wa.gov
Disability benefits will be reduced by any disability income payments received through mandated state disability programs.
Please contact Human Resources if you expect to be off work for more than three days in a row.

Long-Term Disability (LTD)

Mott MacDonald provides all active employees* with long-term disability coverage (LTD) at no cost to you. This plan provides income protection if you are unable to work due to illness or injury for more than 180 days.

You can also elect a higher benefit with up to a $15,000 monthly maximum. Once approved, LTD benefits begin after you’ve been disabled for 180 continuous days. Coverage may be subject to pre-existing conditions (refer to plan documents for more information).

Long-Term Disability
Benefit Percentage 66 2/3%
Monthly Benefit Maximum $10,000 Buy-up $15,000
Maximum Period of Payment To age 65/Reducing Benefit Duration
Elimination Period 180 continuous days
Definition of Disability You are disabled when, as a result of sickness or injury, you are unable to perform with reasonable continuity the substantial and material acts necessary to pursue your usual occupation in the usual and customary way.
Definition of Earnings "Monthly Pre-disability Earnings" means your gross monthly income from your Employer in effect just prior to your date of disability. It includes your total income before taxes. It is prior to any deductions made for pre-tax contributions to a qualified deferred compensation plan, Section 125 plan, or flexible spending account. It does not include income received from commissions, bonuses, overtime pay or any other extra compensation, or income received from sources other than your Employer.
Pre-Existing Condition Limitations 3 months before and 12 months after your effective date of coverage
*Mott MacDonald employees regularly working a minimum of 30 hours per week who are citizens or permanent resident aliens of the United States, including Canadian citizens living and working in the United States. Employees classified as Temporary, Seasonal or Pipeline Employees are not eligible for this benefit.
  • If you are a non-US citizen working in the US on a temporary work visa or if you are a US citizen/permanent resident alien working outside the US on a temporary assignment, please contact Human Resources regarding your benefits.
Long-Term Disability (all states)
Group ID: LK964990
New York Life (NYL)
Phone: 800-244-6224
Website: www.nyl.com