Employer Paid Benefits
LIFE AND AD&D BENEFITS
Denver Health’s comprehensive benefits package includes financial protection for you and your family in the event of an accident or death.
BASIC LIFE AND AD&D INSURANCE
Denver Health’s comprehensive benefits package includes financial protection for you and your family in the event of an accident or death.
BASIC LIFE AND AD&D INSURANCE
Denver Health automatically provides basic life and AD&D insurance through Unum to all benefits-eligible employees AT NO COST. If you die as a result of an accident, your beneficiary would receive both the life benefit and the AD&D benefit. Benefits will reduce to 65% at age 65 and to 50% at age 70. Please be sure to keep your beneficiary designations up to date.
- Employee life benefit: 1x annual earnings up to a maximum of $500,000 (with a minimum benefit of $50,000)
- Employee AD&D benefit: 1x annual earnings up to a maximum of $500,000 (with a minimum benefit of $50,000)
Note: Under IRS code, the cost of Associate Group Term Life and AD&D coverage provided by an employer in excess of $50,000 is included in the gross income of active employees. It is the responsibility of the employer to report this portion of the cost of premium on associate’s W-2 form. The premium value of supplemental life insurance in excess of $50,000 is subject to FICA and is reflected as “GTL (Group Term Life)” on your paycheck.
Depending on your personal situation, basic life and AD&D insurance might not be enough coverage for your needs. To protect those who depend on you for financial security, you may want to purchase supplemental coverage.
Use the calculator at unum.com to find the right amount for you.
DISABILITY BENEFITS
Disability insurance keeps you and your family financially protected if you become unable to work due to an illness or injury.
SHORT-TERM DISABILITY INSURANCE
Denver Health automatically provides short-term disability (STD) insurance to all benefits-eligible employees AT NO COST. STD insurance is designed to help you meet your financial needs if you become unable to work due to an illness or injury. Benefits will be reduced by other income, including state-mandated leave programs.
- Benefit: 60% of base weekly compensation up to $1,750 per week
- Elimination period: 7 days
- Benefit duration: Up to 26 weeks
STD Buy-Up Option
You have the option to purchase an additional buy-up STD coverage.
- Benefit: 70% of base weekly compensation up to $3,850 per week
- Elimination period: 7 days
- Benefit duration: Up to 26 weeks
Note: Cost is dependent on salary.
LONG-TERM DISABILITY INSURANCE
Denver Health automatically provides long-term disability (LTD) insurance through Unum to all benefits-eligible employees AT NO COST. LTD insurance is designed to help you meet your financial needs if your disability extends beyond the STD period.
- Benefit: 60% of base monthly earnings up to $15,000 per month
- Elimination period: 180 days
- Benefit duration: Social security normal retirement age
Disability insurance is an important part of your benefits coverage. You may use disability benefits to pay for your necessary expenses while you are unable to work, such as mortgage payments, medical expenses, child care and more. If you are enrolled and become unable to work due to an accident, illness, injury or pregnancy, you must apply for benefits as soon as you are able after your event. Please notify the Denver Health leave team as soon as possible by calling 303-602-6947, option 3.
EMPLOYEE ASSISTANCE PROGRAM
Assistance is always available for you. The employee assistance program (EAP) services are provided AT NO COST to you and your household through Health Advocate.
Your EAP is a free, strictly confidential service that includes 24/7 online and telephonic counseling and up to five free face-to-face visits per person, per issue, per year with a licensed counselor. Don’t hesitate to reach out whenever you need it. No personal information is ever shared with Denver Health and access to the EAP is completely confidential.
TOOLS AND RESOURCES
Browse tools and resources to help you make life’s big decisions with budget trackers, wellness self-assessments, and more.
CARE OPTIONS
Find child and elder care to support you and your family’s day-to-day needs.
LEGAL AND FINANCIAL GUIDANCE
Receive guidance for buying a home, planning for retirement, budgeting, and more.
SUPPORT ALL YEAR
Connect with a mental health professional about addiction, family, and individual counseling.
Access your EAP by calling 866-799-2691, visiting members.healthadvocate.com, emailing answers@healthadvocate.com, or downloading the Health Advocate mobile app.
DENVER HEALTH RESTORE
RESILIENCE AND EQUITY THROUGH SUPPORT AND TRAINING FOR ORGANIZATIONAL RENEWAL
24/7 RESTORE Peer Support Line: 303-436-7473 | General, Non-Urgent Information: restore@dhha.org
RESTORE has a mission of promoting and sustaining the mental well-being of the health professional workforce. RESTORE’s Peer Support Team provides timely and confidential peer-to-peer support of trained Peer responders to all personnel who experience distress. Additionally, RESTORE provides trauma- and resilience-informed systems training and education.