Disability Insurance

When life changes plans unexpectedly, be prepared with CU's short- and long-term disability insurance.

CU offers two types of disability insurance to employees:

  1. short-term, for those who become temporarily unable to work, and
  2. long-term, for extended absences due to inability to work.

Short-term disability

Plan overview: 

Insurance provider: The Standard Insurance Co. 

If you're covered by this plan and are temporarily unable to work due to a disability, you will receive 60 percent of your weekly pre-disability earnings each week that you're on disability.

Choose your plan

What's covered?

Review monthly rates

Employees who qualify for this benefit will receive 60 percent of their weekly, pre-disability earnings, to a maximum of $1,500. To calculate your monthly coverage cost:
Steps Example
Multiply your monthly salary by 0.60. This is the percentage of your monthly salary you'll receive while on short-term disability. Monthly salary of $5,000 x 0.60 = $3,000
Divide that number by 100 $3,000 / 100 = $30
Multiply this final amount by the option rate 0.207. This is the amount of money that will be deducted from your pay each month for this coverage. $30 x 0.207 = $6.21

- Plan Comparison

Get an apples-to-apples look at CU's Disability Insurance plans with our Plan Comparison

Coverage 

Your coverage provides a benefit of 60 percent of your weekly, pre-disability earnings. 

 Before or after tax?

STD benefits are not taxable. Therefore, you will not have any taxes applied to your weekly payout.

Use your plan

What's covered?

 When should I file a claim?

You must wait 29 days from the date of disability or exhaustion of sick leave (whichever is later) until you may file.

Contact your campus HR department, and then call an Employee Services benefits professional at 303-860-4200, option 3, to file your claim.

How do I check my coverage?

  1. Log in to your employee portal.
  2. Select the NavBar.
  3. Click the CU Resources link.
  4. Under the Benefits and Wellness menu, select Benefits Summary to check your coverage. 

Late-Enrollment Penalty (LEP)

If you do not enroll as a new hire, then enroll during Open Enrollment later, them 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.

When does my coverage end?

Your coverage will end when you are no longer disabled or 180 days from the date of disability including the benefit waiting period (whichever is earlier).

Qualifying Life Events

Recently had a significant life event such as moving from Classified Staff to a University Staff or Faculty position? Your benefits coverage may need to be adjusted. Find out how

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link. 
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses. phone numbers, emergency contacts, email addresses and more.

Long-term disability

Plan overview: 

Insurance provider: The Standard Insurance Co. 

If you're a benefits-eligible employee who becomes disabled and unable to return to work, this coverage provides a benefit of 60 percent of your pre-disability earnings each month, not to exceed $23,625 a month.

Features and Considerations:

  • Your premium is paid for by the university.
  • You are automatically enrolled into long-term disability following one year of employment in a benefits-eligible Faculty or University Staff position. 

Choose your plan

What's covered?

Review monthly rates

Your premium for long-term disability is paid in full by the University.

- Plan Comparison

Get an apples-to-apples look at CU's Disability Insurance plans with our Plan Comparison

Coverage 

Your coverage provides a benefit of 60 percent of your pre-disability earnings each month.

For example, if you earned $3,600 a month before your disability, LTD insurance will pay you $2,160 a month before taxes, 60 percent of $3,600. This benefit must not exceed $23,625 a month.

  Common fees

Your LTD conversion benefits maximum is $5,000. 

 Before or after tax?

LTD benefits are taxable. Therefore, you will have taxes applied to your monthly benefit.

Use your plan

What's covered?

 When should I file a claim?

You must wait 180 days from the date of disability or exhaustion of sick leave (whichever is later) until you may receive a benefit. 

Start the process beforehand by reaching out to the following:

Contact your campus HR department, and then call an Employee Services benefits professional at 303-860-4200, option 3, to file a claim.

If you are already receiving STD benefits, call Standard Insurance Co. to discuss filing a claim. 

How do I check my coverage?

  1. Log in to your employee portal.
  2. Select the NavBar.
  3. Click the CU Resources link.
  4. Under the Benefits and Wellness menu, select Benefits Summary to check your coverage. 

When does my coverage end?

Your coverage will continue until you are no longer disabled.

If you were disabled before age 60, the benefit pays to age 65 for claims other than nervous and mental health.

For claims for those age 60 or older, and for nervous and mental health claims, see the certificate of coverage.

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link. 
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses. phone numbers, emergency contacts, email addresses and more.

Short-term disability

Plan overview: 

Insurance provider: The Standard Insurance Co. 

If you're covered by this plan and are temporarily unable to work due to a disability, you will receive 60 percent of your weekly pre-disability earnings following a benefit waiting period and/or exhaustion of your sick leave, whichever is later.

Choose your plan

What's covered?

Review monthly rates

You are automatically enrolled, and your monthly premium is paid for by the university.

- Plan Comparison

Get an apples-to-apples look at CU's Disability Insurance plans with our Plan Comparison

Coverage 

Your coverage includes a benefit of 60 percent of your weekly, pre-disability earnings. 

 Before or after tax?

This benefit is considered taxable income. This means that your weekly benefit will be reduced by applicable taxes.

Use your plan

What's covered?

 When should I file a claim?

You must wait 30 days from the date of disability or exhaustion of sick leave (whichever is later) until you may receive a benefit.This process takes several weeks for review, so you may file a claim after you become disabled.

Contact your campus HR department, and then call an Employee Services benefits professional at 303-860-4200, option 3.

How do I check my coverage?

  1. Log in to your employee portal.
  2. Select the NavBar.
  3. Click the CU Resources link.
  4. Under the Benefits and Wellness menu, select Benefits Summary to check your coverage. 

When does my coverage end?

Your benefit on a claim will end when you are no longer disabled or 180 days from the date of disability including the benefit waiting period (whichever is earlier).

Coverage is active as long as you are a benefits-eligible, Classified Staff employee.

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link. 
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses. phone numbers, emergency contacts, email addresses and more.

Long-term disability

Plan overview: 

Insurance provider: The Standard Insurance Co. 

If you're a benefits-eligible employee who becomes disabled and unable to return to work after 180 days or exhausted your sick leave, you will receive this coverage. The benefit pays 60 percent of your pre-disability monthly earnings, not to exceed $23,625 a month.

Choose your plan

What's covered?

Review monthly rates

Multiply your monthly salary by the rate shown for your age to get your monthly premium amount
Age Vested* Non-vested
Younger than 30 $0.0010 $0.0028
30-34 $0.0011 $0.0034
35-39 $0.0014 $0.0042
40-44 $0.0019 $0.0058
45-49 $0.0030 $0.0089
50-54 $0.0044 $0.0132
55-59 $0.0061 $0.0199
60-64 $0.0066 $0.0199
65+ $0.0081 $0.0242

*You need five years of PERA service to be vested.

- Plan Comparison

Get an apples-to-apples look at CU's Disability Insurance plans with our Plan Comparison

Coverage 

Your coverage includes a benefit of 60 percent of your pre-disability earnings each month.

For example, if you earned $3,000 a month before your disability, LTD Disability Insurance will pay you $1,800 a month before taxes, 60 percent of $3,000. This benefit must not exceed $23,625 a month.

 Before or after tax?

Long-term Disability benefits paid to you are not taxable income because you pay an after-tax premium for the plan. Therefore, you will not have taxes applied to the monthly benefit you receive.

Use your plan

What's covered?

 When should I file a claim?

You must wait 180 days from the date of disability or exhaustion of sick leave (whichever is later) until you may file.

To enroll, you must submit a Medical History Statement to Standard Insurance Co. 

Contact your campus HR department, and then call an Employee Services benefits professional at 303-860-4200, option 3, to file a claim. If you are already on STD, call Standard Insurance Co. to discuss filing an LTD claim. 

How do I check my coverage?

  1. Log in to your employee portal.
  2. Select the NavBar.
  3. Click the CU Resources link.
  4. Under the Benefits and Wellness menu, select Benefits Summary to check your coverage. 

When does my coverage end?

Your coverage will continue until you are no longer disabled.

If you were disabled before age 60, the benefit pays to age 65 for claims other than nervous and mental health.

For claims for those age 60 or older, and for nervous and mental health claims, see the certificate of coverage.

Address Changes

To change your address, phone number and email:

  1. Log in to your campus portal at my.cu.edu.
  2. Select the NavBar in the right-hand corner.
  3. Select the CU Resources link. 
  4. Under the My Info and Pay menu, select Employee Profile. Here, you can update your addresses. phone numbers, emergency contacts, email addresses and more.