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Leaves of Absence (LOA)

Leaves of Absence (LOA)

We recognize that extended time away from work is important and sometimes necessary due to illness, injury, or other personal circumstances that may require a leave of absence (LOA). Whether you take extended time off for military service, to stay at home and bond with a newborn, or to care for yourself or a loved one, we provide eligible employees with various LOA options.

Types of leave

  • Family and Medical Leave (FMLA) — If you take an approved leave under FMLA or applicable state or local law, your coverage may continue for up to 12 weeks (or 26 weeks for qualifying military caregiver leave), or longer if required by law.
  • Military LOA — Active military service with a written, granted leave. Coverage may continue for up to 24 months.
  • General LOA — Documented leave of absence (other than FMLA or Military Leave).

Depending on the laws in your state of residence, you may be eligible for state-provided leave. Contact the appropriate state agency for eligibility requirements and additional information.

How to request a LOA

  • The Hartford manages all leave requests:
    • Submit your leave request by calling 888-437-8671 or apply online by creating an account at abilityadvantage.thehartford.com
    • Complete all required steps
    • The Hartford evaluates your eligibility and notifies you once a decision is made
  • You may also qualify for state-provided leave — contact your state agency for eligibility and details
  • ‍Don’t forget to inform your manager and Human Resources of your upcoming leave

How to pay for benefits

If you are on a LOA, the Company will direct bill you for most of your benefits. Your contributions to the HSA, Health Care and Dependent Care FSAs, and commuter benefits will not be direct billed while you are on a LOA.

When are payments due

Direct billing starts the pay period after your leave begins, or the first day of the second pay period if you’re paid weekly. You’ll receive monthly statements with biweekly or weekly coupons based on your normal pay schedule, prorated from your leave start date. You may pay each coupon individually or all at once. A 30-day grace period applies from each invoice due date.

All payments must be made in full by the end of the grace period to avoid losing coverage

Making payments

You’ll receive monthly invoices at your primary address. If you’ll be staying somewhere else during your leave, contact Billing Services to update your temporary address. You can pay by:

  • Mailing a check or money order with your invoice
    • Billing Services, P.O. Box 860620, Minneapolis, MN 55486-0620
    • Or send an overnight delivery to Lockbox 860620, 1200 Energy Park Dr, St Paul, MN 55108
  • Setting up recurring ACH payments via the LSC Benefits Center
    • Log in, click Manage Billing and Payments, then Manage Accounts
  • Making a one-time online payment via the LSC Benefits Center
    • Log in and click Pay Now

Returning to work

Direct billing ends the day before the pay period in which you return to work. Any unpaid premiums from your leave will be collected through payroll deductions, and any prepaid premiums will be refunded by Billing Services.

When you return, your HSA, Health Care FSA, and Dependent Care FSA contributions will start being deducted from your pay check. You do not have to re-enroll to start your contributions again.

Life Insurance coverage

If you increase your Life Insurance coverage while on a leave of absence, the increase will not take effect until you’re actively back at work.

Medical Plans OverviewDental
Compare the Vision Plans

* Allows an exam every 6 months for children under age 19.
** Once every calendar year. Benefit coverage is for either contact lenses OR frame lenses but not both.

2027 Optional Child Life Insurance Monthly Rates (per $1,000 of coverage)

* Dependent Child(ren): $0.131 per $1,000 of coverage.

Monthly premium per $1,000 of coverage.

Copay PPO Plan

* The most you pay before the plan pays 100% of eligible expenses. Medical and Prescription Drug expenses are combined.

HSA Plans

* For HSA Core, no one in your family pays more than the individual deductible/OOP maximum before the plan pays 100% of their covered expenses. For HSA Value, there’s no individual cap on the deductible, but no one pays more than the individual OOP maximum.
** What you pay after the deductible is met.
*** The most you pay before the plan pays 100% of eligible expenses. Medical and Prescription Drug expenses are combined.
† If you use the ER for a non-emergency, you will be charged an additional $500 that will NOT count toward your deductible or OOP maximum.

Life & AD&D Insurance Coverage Summary

* The amount of coverage for active employees aged 65 and older is subject to annual age reductions in accordance with the plan. Please see the Life Insurance Certificate of Coverage & Schedule of Benefits on the Important Documents page for more information.
** The amount you elect for Optional Spouse Life cannot exceed the total of your employee Basic Life amount plus any Optional Employee Life coverage.

When Your Coverage Begins

* Calculator assumes all enrollment deadlines were met.

What Happens to Your Benefits
Copay PPO — Prescription Drug Coverage
HSA Core & HSA Value — Prescription Drug Coverage
Compare the Dental Plans

* Includes four periodontal maintenance visits per year; and one problem-focused visit per year
** Two per year for children and one per year for adults
*** One every 60 months until age 19
† Covers composite fillings for molar teeth
‡ One replacement in 24 months

2027 Medical Premiums — TOPS Products

TOPS Products premium amounts shown are per biweekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

2027 Vision Premiums

Premium amounts shown are per biweekly paycheck.

2027 Optional Life Insurance Monthly Premiums (per $1,000 of coverage)

Monthly premium per $1,000 of coverage.

2027 Optional AD&D Insurance Monthly Rates (per $1,000 of coverage)

Monthly premium per $1,000 of coverage.

2027 Medical Premiums

LSC Communications premium amounts shown are per biweekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

LTD Buy-Up Premium Worksheet — Sample Calculation

* The premium rate of $0.101 (per $100 covered monthly payroll) is of the 35-39 age-band and assumes a $45,000 annual salary.

2027 LTD Buy-Up Rates (per $100 of covered monthly payroll)

Premium per $100 of covered monthly payroll. Covered monthly payroll = annual salary / 12; number of units = covered monthly payroll / 100; monthly premium = units x rate.

2027 HSA Company Match Contribution

* For every $1 you contribute to your HSA, the Company matches $1 up to the coverage level match maximum each quarter for HSA Core or HSA Value medical plan participants.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 HSA IRS Contribution Limits

* For every $1 you contribute to your HSA, the Company matches $1 up to the coverage level match maximum each quarter for HSA Core or HSA Value medical plan participants.
** Employees aged 55+ can make an additional $1,000 catch-up contribution each year.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 Biweekly Hospital Indemnity Premiums

Premium amounts shown are per biweekly paycheck.

2027 Dental Premiums

Premium amounts shown are per biweekly paycheck.

2027 Biweekly Critical Illness Premiums

Premium amounts shown are per biweekly paycheck.
Premiums are based on your age and the coverage amount you elect ($10,000 or $20,000).

2027 Biweekly Accident Insurance Premiums

Premium amounts shown are per biweekly paycheck.

2027 Medical Premiums

Lakeside Book Company premium amounts shown are per biweekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

2027 HSA Company Contribution

* The Lakeside Book Company provides a seed contribution to your HSA that is automatically deposited.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 HSA IRS Contribution Limits

* The Lakeside Book Company annual maximum seed amount.
** The 2027 IRS Limit minus the $500 Company seed.
*** Employees aged 55+ can make an additional $1,000 catch-up contribution each year.

If you are aged 65 or older and Medicare-eligible, you’ll need to opt out of the HSA Company contribution due to IRS rules.

2027 Vision Premiums

Herff Jones premium amounts shown are per weekly paycheck.

2027 Medical Premiums

Herff Jones premium amounts shown are per weekly paycheck.
Base salary as of September 1, 2026, determines your salary band.
Medical rates already include the wellness credit and the tobacco-free credit.

2027 Weekly Hospital Indemnity Premiums

Herff Jones premium amounts shown are per weekly paycheck.

2027 Dental Premiums

Herff Jones premium amounts shown are per weekly paycheck.

2027 Weekly Critical Illness Premiums

Herff Jones premium amounts shown are per weekly paycheck.
Premiums are based on your age and the coverage amount you elect ($10,000 or $20,000).

2027 Weekly Accident Insurance Premiums

Herff Jones premium amounts shown are per weekly paycheck.