2013-14 Disability Insurance

If you're unable to work due to illness or injury, short- and long-term disability are salary replacement benefits.  Enrollment in long-term disability is automatic. The University pays 100% of the long-term disability premium.

See policy details for:

  SHORT-TERM DISABILITY LONG-TERM DISABILITY
  Option 1 Option 2
Benefit Amount Your choice of $100 up to $850 maximum weekly benefit, based on earnings equal to or less than your annual salary 60 percent of your weekly pre-disability earnings to a maximum weekly benefit of $1,500 60 percent of pre-disability earnings, not to exceed $23,625 per month, less income from other sources (e.g., Social Security)
Cost Download the cost sheet. Download the cost sheet. Premium paid by the university
Enrollment Process The late-enrollment penalty (LEP) does not apply if:
  • You're enrolling within the first 31 days of initial eligibility.
  • You're increasing coverage due to a salary increase that puts you into the next coverage level within 31 days of the salary increase.
If enrolling during Open Enrollment or certain qualifying events, LEP does
If enrolling within the first 31 days of initial eligibility, the late-enrollment penalty (LEP) does not apply.

If enrolling during Open Enrollment or certain qualifying events, LEP does apply.
Enrollment is automatic following one year of employment in a benefits-eligible position.
EOI Required If previously denied coverage If previously denied coverage N/A
Late Enrollment Penalty (LEP) If you file a claim for anything other than an accidental injury during the first 12 months after your coverage becomes effective, short-term disability benefits will be subject to the lesser benefit amount for the first 60 days of disability. If you file a claim for anything other than an accidental injury during the first 12 months after your coverage becomes effective, short-term disability benefits will be subject to the lesser benefit amount for the first 60 days of disability. N/A
Effective Date Open Enrollment: July 1

OR

Initial eligibility, qualifying event and salary increase: first of the month following the event
Open Enrollment: July 1

OR

Initial eligibility, qualifying event and salary increase: first of the month following the event
First day of the month following one year of benefits-eligible employment
Benefit Claim Process Contact your campus HR department and Employee Services within 30 days of disability. Contact your campus HR department and Employee Services within 30 days of disability. Contact your campus HR department and Employee Services 3 - 4 months following disability.
Benefit Waiting Period 29 days from the date of disability or exhaustion of sick leave, whichever is later 29 days from the date of disability or exhaustion of sick leave, whichever is later 180 days from the date of disability or exhaustion of sick leave, whichever is later
Maximum Benefit Period 180 days, includes the benefit waiting period 180 days, includes the benefit waiting period If you were disabled before age 60, the benefit pays to age 65 for claims other than nervous and mental health.

For claims those age 60 or older, and for nervous and mental health claims, see the certificate of coverage.
Benefit Taxability Benefits are not taxable. Benefits are not taxable. Benefits are considered taxable income.

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