Short-term and long-term disability

Financial support when you’re ill or injured.

What you need to know

Short-term disability (STD) and long-term disability (LTD) coverage protects you when you’re sick, injured, or pregnant and can’t work by replacing a portion of your monthly income while you recover.

Rentokil provides company-paid STD to all colleagues. You can elect to enroll in LTD coverage at a 50 percent cost share with Rentokil. (If you’re a new hire, you’ll be automatically enrolled in LTD, but you can opt out within 30 days of your hire date.)

Short-term disability (STD)

Once you’re eligible for benefits, you’re automatically enrolled in Company-paid STD. If you’re injured and hospitalized, STD benefits begin on day one; if you’re not hospitalized, they begin on day eight.

  • If you have less than five years of service, you receive 66.67 percent — up to $3,461.54 — of your frozen earningsiFrozen Earnings & Eligibility: STD and LTD coverage is based on your “frozen earnings,” calculated from your pay (salary or hourly wages, overtime, incentives, commissions, and bonuses) earned between September and August and updated each January 1. per week.
  • If you have five years or more of service, you receive 80 percent — up to $3,461.54 — of your frozen earningsiFrozen Earnings & Eligibility: STD and LTD coverage is based on your “frozen earnings,” calculated from your pay (salary or hourly wages, overtime, incentives, commissions, and bonuses) earned between September and August and updated each January 1. per week.
    Maternity leave falls under Rentokil’s short-term disability plan.

Long-term disability (LTD)

LTD continues to provide you with pay for conditions lasting longer than 13 weeks. You can enroll in coverage to receive 60 percent of your frozen earnings (up to $15,000 per month). Rentokil pays half the cost of this coverage.

LTD is offset by other sources of income, such as Social Security disability payments. See what coverage costs below.

How it works

When benefits begin
Maximum length of benefit
Maximum benefit
Short-term Disability (STD)
If you’re injured or in an accident and are hospitalized for 24 hours:
Benefits begin on the date of disability, with no waiting period.
If you’re ill and are not hospitalized:
Benefits begin on the eighth day of the approved disability
If you’re pregnant:
Benefits begin on the earlier of the eighth day of the approved disability or the date you deliver
Up to 13 weeks
66.67% of your weekly earnings (or 80% if you’ve been employed five or more years), with a maximum weekly benefit not to exceed $3,461.54 or the monthly benefit not to exceed $15,000
Long-term Disability (LTD)
After 90 days of a medically qualified disability
Until you reach retirement age, recover, or pass away
60% capped at $15,000 per month

What it costs

Type of Coverage
STD (< 5 years of employment)
STD (> 5 years of employment)
LTD
Benefit Amount of Frozen Earnings
66.67%
80%
60%
Cost
$0 (company-paid)
$0 (company-paid)
$0.365 monthly for every $100 of coverage

Evidence of Insurability (EOI)

If you elect LTD coverage when you first become eligible, you will not need to provide proof of good health, known as Evidence of Insurability (EOI). If you enroll in or increase your coverage at a later date, EOI will be required and will need to be approved before your coverage is effective. You can complete the EOI process on Workday.  You’ll receive an event in “My Tasks” with a link to submit the required EOI information.