Capital One automatically provides full-time associates with Short-Term Disability and provides full-time and part-time associates with 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 provide a total of 70% Annual Benefits Salary replacement. Consider if you have enough Long-Term Disability by reviewing this example.

Evidence of Insurability (EOI) is not required to enroll in the Supplemental Long-Term Disability plan.

Pre-existing conditions: Before enrolling in Supplemental LTD coverage, you should be aware that pre-existing conditions may limit the amount of benefits you receive. A pre-existing condition is an injury, illness, or condition that was or should have been treated within three months before your Supplemental LTD insurance is effective. If you were treated for a pre-existing condition within the three months prior to your effective date, you would not be eligible for Supplemental LTD benefits for a disability that occurred within 12 months of this effective date. You would remain eligible for the 50% employer paid LTD benefits, if you have had the employer paid LTD coverage for over 12 months from your disability date. Any disabilities that occur after 12 months from your Supplemental LTD insurance effective date will not be subject to the pre-existing condition clause.

For example, if you enroll in Supplemental LTD for the first time with a January 1, 2024, coverage effective date and you have an injury, illness, or condition that was or should have been treated on or after October 1, 2023, through December 31, 2023, you will not be eligible to receive Supplemental LTD benefits for a disability related to the pre-existing condition that occurs in 2024. If you had the 50% employer paid LTD coverage for at least 12 months from your disability date, you would remain eligible for these benefits. For more information on pre-existing conditions and exclusions, please view the Summary Plan Description.

Please note for leaves beginning prior to January 1, 2022: Long-Term Disability (including enrollment in Supplemental LTD) coverage amounts are frozen while you are on a paid or unpaid leave.