2027 EMPLOYEE BENEFITS · DISABILITY
YOUR 2027 DISABILITY
Support when work has to wait.
Short-term disability helps replace part of your earnings during an eligible disability. UnitedHealthcare coverage is effective January 1, 2027.
How short-term disability works.
Momentive pays the cost of your short-term disability coverage.
| Feature | Short-term disability |
|---|---|
| Benefit amount | 60% of weekly earnings, up to $2,400 per week |
| Minimum benefit | $25 per week |
| Benefits begin | 1st day after an accident / 8th day of sickness |
| Benefit duration | Up to 13 weeks |
| Eligibility | Active full-time employees working at least 30 hours per week |
| Other income | Other income may reduce the amount payable |
Coverage limits, exclusions and eligibility rules apply.
Know the terms before you need them.
You must be actively at work when coverage takes effect and under the regular care of a physician to receive benefits. Other income can reduce your benefit, and exclusions apply, including certain work-related conditions.
Long-term disability: two income protection options.
| Feature | Option 1 | Option 2 |
|---|---|---|
| Monthly earnings replacement | 50% of base monthly earnings | 60% of base monthly earnings |
| Maximum monthly benefit | $10,000 | $10,000 |
| Benefits begin | Day 91 | Day 91 |
| Maximum benefit period | Social Security Normal Retirement Age | Social Security Normal Retirement Age |
| Maximum covered annual earnings | $240,000 | $200,000 |
During the initial 2027 enrollment with UHC, eligible employees may elect LTD without medical underwriting. If you waive and enroll later, underwriting is required and UHC may deny coverage. A 3/12 pre-existing condition exclusion applies: the three-month lookback and 12-month coverage requirement apply.
View LTD age-based rates and cost formula
Monthly rate per $100 of covered monthly earnings. These rates are not flat paycheck premiums.
| Employee age | Option 1 monthly rate | Option 2 monthly rate |
|---|---|---|
| 18–29 | $0.08 | $0.10 |
| 30–34 | $0.13 | $0.17 |
| 35–39 | $0.20 | $0.28 |
| 40–44 | $0.31 | $0.43 |
| 45–49 | $0.43 | $0.59 |
| 50–54 | $0.56 | $0.76 |
| 55–59 | $0.71 | $0.98 |
| 60–64 | $0.60 | $0.82 |
| 65–69 | $0.47 | $0.64 |
| 70+ | $0.41 | $0.55 |
Cost per benefit deduction: covered annual earnings ÷ 100 × monthly rate ÷ 24. Apply the selected option’s maximum covered annual earnings before calculating.
Offsets, eligibility and policy terms apply.
Coverage is subject to the official plan documents, which govern in the event of a difference.
Benefits questions? Start with the ERC.
Contact the Higginbotham Employee Response Center for benefits information, enrollment help, eligibility questions, and claims or billing questions.
Monday–Friday, 6:00 a.m.–5:00 p.m. EST
Messages left after 2:00 p.m. ET will be returned the next business day.
Bilingual representatives are available.
Plan documents · Questions & answers · ERC & support · 2026 benefits
The information on this website summarizes the benefits offered by Momentive Software. If there is a difference, the official plan documents govern.