Disability

If you cannot work for more than seven calendar days as a result of an illness or injury, NetApp automatically provides you with a benefit that helps replace your income by offering a short- and long-term disability plan should you become temporarily unable to work.

If you are disabled, after seven calendar days, you may be eligible to receive a weekly benefit based on a percentage of your basic earnings. The amount of your benefit is based on your pay as of your last day of full-time work.

  • Liberty Mutual will be the plan administrator for the short-term disability (STD), voluntary disability insurance (VDI) and long-term disability (LTD) plans. This is to help simplify the process through which you receive your benefits.
  • To report a claim, download the Reporting Your Disability Claim and/or Leave of Absence form [PDF].

Short-Term Disability (STD)

If you are temporarily unable to work due to an injury or illness, STD coverage protects your income for you and your family. NetApp provides two different plans, depending on where you live.

  1. Non-California locations: STD pays two-thirds of your income, after a seven-calendar-day waiting period. You may receive two-thirds of your basic weekly earnings* for up to 90 days.
  2. California locations: You receive similar benefits under the California VDI plan. VDI begins on the eighth day of disability and pays two-thirds of your income. You may receive two-thirds of your basic weekly earnings* for up to 52 weeks following the date of disability.

* Basic Weekly Earnings for non-commission eligible employees means the participant’s weekly rate of earnings from the employer in effect immediately prior to the date disability or partial disability begins. However, such earnings will not include bonuses, commissions, overtime pay, stock options or stock bonuses, Employer’s contributions to any deferred compensation arrangement or pension plan and any other extra compensation other than shift differential.

* Basic Weekly Earnings for commission eligible employees means the participant’s weekly rate of earnings from the employer in effect immediately prior to the date disability or partial disability begins. However, such earnings will not include bonuses, overtime pay, stock options or stock bonuses, employer’s contributions to any deferred compensation arrangement or pension plan and any other extra compensation other than commissions. Commissions will be averaged over (a) the 12-month period prior to the date disability or partial disability begins; or (b) the period of employment, including commission/draw based on target, if employed less than 12 months.

If you have additional questions regarding commissions during leave, please visit Leave of Absence FAQs.

Long-Term Disability (LTD)

LTD coverage helps protect your income if you are disabled and unable to work due to an injury or illness. Benefits begin after 90 days of disability for approved claims and pay up to $25,000 per month of your Basic Monthly Earnings or Pre-Disability Earnings.**

  • The NetApp long-term disability (LTD) plan provides a 60% non-taxable benefit.
  • Upon approval for LTD, you will receive 60% of your income after 90 days of disability. Because you pay imputed income tax*** on NetApp’s premium contributions, the benefits you receive are not taxed—providing you with a richer benefit.

** Basic Monthly Earnings or Pre-Disability Earnings, with respect to employees not eligible for commission, means the covered person's monthly rate of earnings from the sponsor in effect immediately prior to the date disability or partial disability begins. However, such earnings will not include bonuses, commissions, overtime pay, stock options or stock bonuses, sponsor’s contributions to any deferred compensation arrangement or pension plan and any other extra compensation other than shift differential.

** Basic Monthly Earnings or Pre-Disability Earnings, with respect to commission eligible employees, means the covered person's monthly rate of earnings from the sponsor in effect immediately prior to the date disability or partial disability begins. However, such earnings will not include bonuses, overtime pay, stock options or stock bonuses, sponsor’s contributions to any deferred compensation arrangement or pension plan and any other extra compensation other than commissions. Commissions will be averaged over (a) the 12-month period prior to the date disability or partial disability begins; or (b) the period of employment, including commission/draw based on target, if employed less than 12 months.

*** Imputed income is the term the IRS applies to the value of any benefit that should be considered as income for the purposes of calculating your federal taxes. What you pay in imputed income is calculated based on your basic gross taxable wages and the premium rate the company pays for your long-term disability coverage.

Note: If your LTD claim was prior to January 1, 2015, please contact Liberty Mutual at 1 888 481 2451 for information about coverage that was in effect at that time.