Exclusion for Self-Payment Coverage
Q: Are benefits paid if I’m covered by self-payment at the time of disability?
A: No, unless specific conditions are met.
Tom’s friend Laura, a set decorator, became disabled after a work-related accident. She assumed her short-term disability (STD) benefits would kick in immediately. When she reached out to Tom, he explained, “If you’re covered through full self-payment (140 hours) for the month when you become disabled, STD benefits aren’t automatically paid unless certain conditions are met.”
Tom advised Laura to contact an IATSE Local 891 Benefits of Film representative for clarification. Upon doing so, Laura discovered she met the necessary conditions and was eligible to receive benefits. This experience taught Laura the importance of verifying eligibility details in unique circumstances.