Company-Provided Disability

All full-time employees are eligible for Gallagher’s Company-Provided Disability Programs. Enrollment in these benefits happens automatically after three months of employment.

Gallagher’s Company-Provided Short- and Long-Term Disability coverage provides income replacement if you become disabled and cannot work. Disability benefits are made available by Gallagher at no cost to employees. After seven consecutive days of absence, you will receive income replacement benefits for the length of time you are disabled as determined by medical documentation.

If you become disabled after you have three consecutive months of full-time service, you can receive up to 25 weeks of full and/or half salary based on your length of service. The chart below shows the maximum number of weeks you may be paid. Benefits begin after a seven-day waiting period. Disability benefits are reduced by other income such as state disability. Short-Term Disability claims and benefit payments and managed by The Hartford Group.

*Acquisition employees: The length of service is based your original hire date with the legacy company.

If you are still disabled after six months, you may become eligible for long-term disability benefits. Long-term disability benefits begin after 180 days of a qualifying disability and continue until you recover or reach age 65*, whichever occurs first. You can receive 60% of your eligible earnings up to $15,000 a month, whichever is less. Benefits are reduced by other income, such as Social Security payments. The Long-Term Disability plan is insured through Hartford Insurance Group

*If you are disabled at age 63 or later, you may be eligible to receive long-term disability (LTD) benefits for a period of time. Please see plan documents for more information.

Imputed income applies to the value of the company-paid long-term disability premium and will be shown as a taxable amount on your paycheck. By doing this, the value of your long-term disability benefit, if received, is greatly increased because you will not have to pay income tax on it.