Disability Insurance

If you are ill or injured and unable to work, McClatchy has benefits to protect you and minimize your financial worries. Benefit-eligible employees are provided with income replacement through Short-Term Disability (STD) and Long-Term Disability (LTD).

The Hartford is the administrator for McClatchy's STD and LTD benefits, benefit-eligible employees are automatically enrolled.

 

Disability Overview

STD provides income replacement if you become unable to work due to medical disability

STD is a company paid disability benefit available to full-time, eligible employees. McClatchy will pay up to 60 percent of an employee’s base salary (plus direct sales commissions) up to $2,500.00 per week for a maximum of 25 weeks for approved disability claims. STD is integrated with State Disability Insurance (SDI) where applicable. There is a seven-day waiting period before STD benefits begin. Employees may be required to use any available sick leave, vacation time or PTO during the seven-day waiting period and can use available sick/vacation/PTO to supplement STD payments up to 100 percent of pay. Employees on workers’ compensation leave are not eligible for STD benefits.

The Hartford administers the STD program, and employees should report a claim directly to The Hartford either through The Hartford's website or by phone, after they have notified the Leave of Absence department of their need for leave. STD checks will be issued by McClatchy on regularly scheduled pay days. Taxes and appropriate deductions (e.g., health care deductions) will be withheld from STD checks.

Enrollment is automatic for full-time, eligible employees. Generally, new employees become eligible for the benefit on the first of the month following 30 days of employment. However, in some non-daily markets, the eligibility period is one year.

 

* All benefit provisions described are subject to the terms of applicable collective bargaining agreements.

If you are unable to work due to a medical disability for more than 120 days, Long-Term Disability (LTD) begins to pay benefits on your 121st day of disability

For eligible employees, McClatchy will provide LTD insurance equal to 50 percent of an employee’s base salary (plus direct sales commissions) up to a maximum benefit of $15,000 per month. Employees may purchase (“buy-up”) an additional 10 percent of LTD coverage during the initial enrollment period or annual open enrollment for a total of 60 percent of salary, up to the maximum benefit of $15,000 per month. LTD benefits will be reduced by other sources of income such as social security disability benefits.

Payroll deductions for the LTD buy-up coverage will be taken on an after-tax basis and are taken twice a month or 24 pay periods per year.

Evidence of Insurability (EOI)

Upon initial eligibility, new hires may elect to purchase the additional 10% LTD coverage without providing EOI. Any employees who wish to elect the additional 10% LTD coverage during a family status change event or during annual open enrollment will have to provide EOI.

 

* All benefit provisions described are subject to the terms of applicable collective bargaining agreements.

The Summary Plan Description (SPD) is a detailed guide to what McClatchy's Long-Term Disability plan covers and how the plans work.

  • 2020 LTD Summary Plan Description
  • 2020 LTD Summary Plan Description - CA Guild ONLY

The Summary of Coverage (SOC)  is a snapshot of McClatchy's LTD plan rules, limits and exceptions explained in easy-to-understand terms.

  • 2020 LTD Summary of Coverage (SOC)
  • 2020 LTD Summary of Coverage (SOC) - CA Guild ONLY

Forms

  • How The Hartford's Disability Services Works
    Learn more information on McClatchy's disability benefits
  • Disability / Family Medical Leave Request Form
    Complete this form to request a leave of absence due to a disability or Family Medical Leave.

 

Contacts