Disability Coverage
Stryker provides short-term disability (STD) and long-term disability (LTD) coverage through The Hartford. Disability coverage offers you income protection in case a sickness or injury, or pregnancy, leaves you unable to work.
STD Benefits and Employment Status
Your STD benefits are based on whether you are an exempt or non-exempt employee. Generally, you are considered:
  • Exempt if you are not eligible for and do not receive overtime pay
  • Non-exempt if you are entitled to receive overtime pay               
This section of the Stryker Benefits Summary provides an overview of your short-term and long-term disability benefits.
For more information about the STD plan, refer to the applicable benefits booklet as shown here:
For more information on the LTD plan, all eligible employees should refer to the LTD Certificate of Insurance, available at http://totalrewards.stryker.com/spd/Stryker-LTD-AFTA-EEs.pdf.
For more information on the LTD plan for corporate pilots, refer to the LTD Certificate of Insurance, available at http://totalrewards.stryker.com/spd/Stryker-LTD-Corporate-Pilots.pdf.
Together, this section of the Stryker Benefits Summary and the STD booklets and LTD Certificate of Insurance issued by The Hartford constitute the Summary Plan Description for these plans.
Procedures for LTD Claims Filed On or After April 1, 2018
Effective April 1, 2018, The Hartford Life and Insurance Company has updated their disability claims procedures to comply with recent regulatory changes. Details about the claims and appeals process that applies to claims filed on or after April 1, 2018, are available at http://totalrewards.stryker.com/spd/New-HG-Claims-Procedures.pdf.
Employees of Stryker Puerto Rico, Inc.
For information on the LTD plan for eligible employees of Stryker Puerto Rico, Inc., refer to the LTD Certificate of Insurance, available at http://totalrewards.stryker.com/spd/Stryker-PR-LTD-Certificate-Booklet.pdf.