FAQs
Financial Protection

Frequently asked questions about 2020 financial protection.

2020 Hourly, Salaried and Driver Short-term Disability

What short-term disability coverage is available for full-time hourly associates?

Two short-term disability plans are available for all full-time hourly eligible associates (except those associates who work in CA, HI, NJ, and RI):

  • Short-term disability basic plan—all full-time hourly associates are provided Walmart’s short-term disability basic plan, at no cost to you. The short-term disability basic plan provides coverage if you’re unable to work for more than seven calendar days due to your own eligible medical condition, such as an illness, injury, or having a baby. If your short-term disability claim is approved, you’ll receive up to 50% of your average weekly wage for up to 25 weeks after a waiting period of seven calendar days. The weekly maximum is $200.
  • Short-term disability enhanced plan—the enhanced plan allows full-time hourly associates the option to buy additional short-term disability coverage. The enhanced plan pays up to 60% of your average weekly wage, with no weekly maximum.
  • Associates who work in New York are eligible for the short-term disability basic plan and New York short-term disability enhanced plan coverages. The New York short-term disability enhanced plan allows full-time hourly associates who work in New York the option to buy additional short-term disability coverage. The New York enhanced plan pays up to 60% of your average weekly wage. The maximum weekly benefit is $6,000.
  • Associates who work in CA, HI, NJ and RI have legally mandated plan and are not eligible for Walmart’s short-term disability coverage.
    • Associates in CA should contact the state at edd.ca.gov or 800-480-3287.
    • Associates in RI should contact the state at dlt.ri.gov/tdi or 401-462-8420.
    • Associates in NJ and HI still contact Sedgwick, who will forward their information to Lincoln (administers state plans).
How much does short-term disability coverage cost?

HOURLY
Nothing. Walmart provides the short-term disability basic plan at no cost to you.

  • For the short-term disability enhanced benefit (and the New York short-term disability enhanced benefit), your cost is based on your age and income. To find your cost, go to One.Walmart.com/ShortTermDisability.
  • For associates in Washington and Washington D.C. your cost is also based on your age and income, however, the rates have been reduced due to Walmart supplementing your legally mandated plan.

SALARIED
Nothing. Walmart provides salaried short-term disability coverage at no cost to you.

DRIVERS
Nothing. Walmart provides truck driver short-term disability at no cost to you.

Do I need to enroll in the short-term disability plan?

No. All full-time hourly eligible associates are automatically enrolled in the short-term disability basic plan as soon as they’re eligible.

If you want to upgrade to short-term disability enhanced coverage, you must enroll in the plan and pay the cost from each paycheck. Eligible full-time hourly associates can enroll when you initially become eligible, during Annual Enrollment, or after a qualified status change event like getting married or having a baby. Coverage can be dropped at any time during the year. To elect coverage, go to One.Walmart.com/Enroll. If you enroll at any time after your initial enrollment period, a 12-month waiting period will be required before coverage becomes effective.

When can I enroll in short-term disability coverage?

All hourly full-time associates are eligible for the short-term disability basic plan and are automatically enrolled after one year of employment. Enrollment for short-term disability enhanced coverage is available during Annual Enrollment, when you first become newly eligible for benefits, or when you have a qualified status change event like getting married or having a baby.

Can I still enroll in the short-term disability enhanced plan if I don’t enroll when I'm newly eligible?

Yes. But if you enroll after your initial eligibility period, your short-term disability enhanced coverage will not begin until you complete a 12-month waiting period.

Who is the administrator for the short-term disability basic and enhanced plans?

Sedgwick is the plan administrator for Walmart’s short-term disability plans, except for states with their own short-term disability plans (California, Hawaii, New Jersey, New York, and Rhode Island). Lincoln is the administrator for the plans in Hawaii, New Jersey, and New York. The plans for California and Rhode Island are administered by the states.

For associates in Washington and Washington D.C., Walmart is supplementing your benefits from the state, so both Sedgwick and the state are administrating your benefits.

What short-term disability coverage is available for salaried associates?

All salaried associates, management trainees, associates classified as California pharmacists, and professional non-exempt associates are provided Walmart’s salaried short-term disability coverage at no cost to you. The salaried short-term disability plan provides coverage if you are unable to work for more than seven calendar days due to an eligible medical condition, such as an illness, injury, or having a baby. If your short-term disability claim is approved, the salaried short-term disability plan replaces 100% of your base pay for up to six weeks, and 75% of your base pay for up to 19 additional weeks, after an initial waiting period of seven calendar days.

Do I need to enroll in the salaried short-term disability plan?

No. You are automatically enrolled in the salaried short-term disability plan if you are a salaried associate, management trainee, a professional non-exempt associate, or an associate classified as a California pharmacist.

Who is the administrator for the salaried and truck driver short-term disability plan?

Salaried and truck driver short-term disability coverage is administered by Sedgwick Claims Management Services, Inc. (Sedgwick).

What short-term disability coverage is available for truck drivers?

All full-time truck drivers are provided Walmart’s truck driver short-term disability coverage, at no cost to you. The truck driver short-term disability plan provides coverage if you are unable to work for more than seven calendar days due to an eligible medical condition, such as an illness, injury, or having a baby. If your short-term disability claim is approved, the truck driver short-term disability plan replaces 75% of your average day’s pay for up to 25 weeks, after an initial waiting period of seven calendar days.

Do I need to enroll in the truck driver short-term disability plan?

No. You are automatically enrolled in the truck driver short-term disability plan if you are a full-time truck driver.

2020 Maternity

What disability coverage is available for new mothers?

Walmart provides 9 weeks of protected paid Maternity Leave, following a seven-calendar day waiting period. During the 9 weeks, you will receive 100% of your pay. Salaried associates and Drivers are eligible from date of hire and hourly associates are eligible after 12 months of service.

2020 Long-term Disability

What long-term disability (LTD) coverage is available?

The LTD plan can pick up where your short-term disability coverage ends, replacing part of your income when you’re out due to an eligible lengthy illness or injury. LTD provides up to 50% of your average monthly wage, generally for up to Social Security normal retirement age or until you are no longer disabled. The maximum monthly benefit for the LTD plan is $15,000. Certain conditions apply, and other benefits or income may reduce your payment.

A long-term disability enhanced plan is also available to boost your coverage from 50% to 60%, up to a monthly maximum of $18,000. Note: A five-year coverage plan is available for truck drivers in addition to full-duration coverage.

Do I need to enroll in LTD coverage? If so, when can I enroll?

Yes. If you want to have LTD coverage you must actively enroll in a LTD plan. The LTD and LTD enhanced plans are voluntary, which means you must enroll and pay the cost from each paycheck to be covered. Eligible full-time hourly associates and management associates can enroll when you become newly eligible, during Annual Enrollment, or if you have a qualified status change event like getting married or having a baby, by going to One.Walmart.com/Enroll. Coverage can be dropped at any time during the year. There may be a waiting period before coverage becomes effective.

Truck drivers have separate truck driver LTD plans. You can also enroll when you become newly eligible, during Annual Enrollment, or if you have a qualified status change event by going online to 
One.Walmart.com/Enroll.  Coverage can be dropped at any time during the year. If you don’t enroll when you first become eligible, you will be required to complete an Evidence of Insurability form and coverage will not be effective until People Services receives approval from Lincoln.

Who insures the LTD plan?

The LTD plan is insured by Lincoln Financial Group.

What are the LTD options for truck drivers?

Truck driver LTD offers two coverage plans, each of which offers two coverage options:

LTD plan
– Five-year coverage
– Full-duration coverage

LTD enhanced plan
– Five-year coverage
– Full-duration coverage

The truck driver LTD plan options pay benefits as described in thefollowing chart.

Truck Driver LTD
LTD Plan: Pays 50% of average monthly wage
LTD Enhanced Plan: Pays 60% of average monthly wage
Five-year coverage Both plans pay benefits for 60 months, unless the longer of the following time periods is less than 60 months, in which case the monthly benefit will be payable for the longer period:
  • The amount of time shown in the Maximum duration of truck driver LTD chart in the 2020 Associate Benefits Book;
    or
  • The amount of time between the date you become disabled and your Social Security normal retirement age.
Full-duration coverage Both plan options pay benefits for the longer of:
  • The amount of time shown in the Maximum duration of truck driver LTD chart in the 2020 Associate Benefits Book;
    or
  • The amount of time between the date you become disabled and your Social Security normal retirement age.

Related Content

Ready to get started?
Head over to online enrollment