Life & Disability
Life and disability insurance are essential for financial security, offering protection against the unexpected. Life insurance supports loved ones by replacing income and covering expenses in case of death, while disability insurance safeguards your income if illness or injury prevents you from working. Together, they ensure financial stability in the face of life’s uncertainties.
Company Paid Life and AD&D Insurance
At STG Logistics, we encourage employees to take care of themselves and their loved ones – now and in the future. At times, devastating events such as an unexpected death can take a toll on our employees and their families. For this reason, STG provides company paid life insurance, with the option to buy-up additional coverage.
Watch this video to learn more about
Life Insurance >>>
Benefit Provider: Prudential
Guarantee Issue1
$500,000
Plan Funding
100% employer paid
(Eligible employees are automatically enrolled)
Benefit (Employee Only)
1.5x base earnings up to $500,000
1. The Guarantee Issue is the dollar amount that will be issued without submitting proof of insurability, such as answering medical questions on an application or completing a medical exam. Check with your employer to see if you’re eligible for the Guarantee Issue.
Optional Life and AD&D Insurance
Employees who would like to supplement their group life insurance may purchase additional coverage. As long as you purchase coverage for yourself, you may purchase coverage for your spouse and children as well. For this coverage, you are responsible for the full cost. Guarantee Issue is only available when you are first eligible for coverage. Please see UKG for cost of coverage.
Please note - Optional Life and AD&D is 100% employee paid
Watch this video to learn more about
Life Insurance >>>
Benefit Provider: Prudential
Employee Benefit
Increments: $10,000
Maximum Coverage: Lesser of 7x basic annual earnings or $1,000,000
Guarantee Issue3: $150,000
Reduction Schedule: 35% at age 65; 50% at age 70; terms at retirement
Spouse1,2
Increments: $5,000
Maximum Coverage: 50% of employee coverage amount up to $200,000
Guarantee Issue3: $30,000
Reduction Schedule: 35% at age 65; 50% at age 70; terms at retirement
Child(ren)1
From birth to age 26: $5,000 or $10,000
1. Coverage is only available to the spouse and dependent child(ren) if the employee elects coverage.
2. Spouse’s rate is based on the employee’s age.
3. The Guarantee Issue is the dollar amount that will be issued without submitting proof of insurability, such as answering medical questions on an application or completing a medical exam. Check with your employer to see if you’re eligible for the Guarantee Issue.
Contact the provider of these benefits by calling this phone number or visiting this website: (800) 842-1718 / prudential.com
Disability Benefits
At times, unfortunate events such as an unexpected sickness or injury can take a toll on our employees. STG helps support our employees by providing a company paid short-term and long-term disability policy, with the option to buy-up additional coverage.
Watch this video to learn more about
Disability Insurance >>>
Short-Term Disability Highlights
Long-Term Disability Highlights
Contact the provider of these benefits by calling this phone number or visiting this website: (800) 842-1718 / prudential.com
STG Leave of Absence & FMLA
Fast Facts
What is FMLA and who qualifies? The Family and Medical Leave Act (FMLA) provides up to 12 weeks of unpaid, job-protected leave in a 12-month period for eligible employees. To qualify, you must:
- Have worked at STG for at least 12 months
- Have logged 1,250 hours in the past 12 months
- Work at a location with 50+ employees within 75 miles (STG applies this uniformly across all locations)
- Eligibility is determined by STG’s third-party administrator, not by managers.
What types of leave does FMLA cover?
- Your own serious health condition
- Caring for a family member with a serious health condition
- Birth, adoption, or foster placement of a child
- Military caregiver leave (up to 26 weeks)
- Qualifying exigency leave for military families
Is FMLA paid? No, FMLA is unpaid. However, it may run concurrently with Workers’ Compensation, PTO, or state disability benefits.
What if I don't qualify for FMLA? STG offers discretionary leave options for employees not yet eligible for FMLA:
- Medical Leave: Up to 6 weeks/year for your own health condition
- Family Member Leave: Up to 6 weeks/year to care for a family member
- Personal Leave: Up to 30 workdays/year for personal matters (available after 6 months of employment)
- All require manager approval and documentation from a healthcare provider if medically related.
Will my health benefits continue during leave? Yes, group health benefits continue under the same conditions during FMLA. If you’re not receiving pay from STG, you may need to cover your share of premiums upon return.
What happens when I return from leave? You are entitled to return to the same or a virtually identical job after FMLA leave. This protection also applies to military caregiver leave.
How do I file a leave claim? Claims can be filed through Prudential:
- Online: prudential.com/mybenefits
- Phone: 1-877-367-7781 (Mon–Fri, 8 AM–8 PM EST, 5AM-5PM PST)
- You’ll need personal, job, illness/injury, and provider information. Additional state-specific requirements may apply.
When should I provide a doctor's note and who should receive it? A doctor’s note should be provided when requesting a medical leave of absence, whether under FMLA or non-FMLA policies. It is required to verify the need for leave due to a serious health condition. The note should be submitted to the Benefits Team, not to your manager, to ensure privacy and proper documentation. In some cases, the third-party administrator may also request additional medical certification.
Questions about a claim or finding an in-network doctor?
Ask the Care Line!
The Care Line can help educate and advocate. Available to all employees and children over 18 who are enrolled on the benefit plan.
Contact the Care Line at (844) 717-8777, or you can submit your questions online at callthecareline.com.
Open Monday - Friday from 8:00 am - 7:00 pm (EST).
