Capital One automatically provides full-time associates with Short-Term Disability and Basic Long-Term Disability coverage at no cost. You have the option to purchase Supplemental Long-Term Disability.


Short-Term Disability

Short-Term Disability (STD) benefits replace all or part of your income for up to six months if you’re unable to perform your job due to a non-work related injury, illness or condition, including pregnancy.

During your first week out, you’ll use PTO (non-exempt) or Sick Time (exempt) equal to the same amount of hours you’re scheduled to work in a week. If you don’t have PTO available, you won’t receive pay until the following week when your Short-Term Disability begins.

To be eligible for this plan, you must be full time and have more than 90 days of service with the company, and the disability must be after the 90th day of service. See Pulse for more details.


Long-Term Disability

Long-Term Disability benefits replace 50% of your Annual Benefits Salary after six months. You may purchase Supplemental Long-Term Disability coverage, on an after-tax basis, which replaces an additional 20% of your Annual Benefits Salary, to receive 70% income replacement. Consider if you have enough Long-Term Disability by reviewing this example.

If you've been eligible, but not enrolled for additional Supplemental Long-Term Disability coverage up to now, you will have to provide Evidence of Insurability (EOI) in order to be approved for the 70% of Annual Benefits Salary. Long-Term Disability elections made as a new hire are not subject to EOI.

Generally, if you are not at work on the day your Supplemental LTD coverage (or any change in coverage) is scheduled to take effect, the coverage (or change in coverage) will not take effect until you have been back at work for five full consecutive days. Additionally, if you are disabled at the time of the election of supplemental coverage, the coverage does not take effect for the current disability.