If you are unable to work due to a non-work-related illness or injury, or childbirth, disability insurance provides financial protection by replacing a portion of your pre-disability earnings. The University provides Core Short-Term and Long-Term Disability Insurance, as well as Buy-up Short-Term and Long-Term Disability Insurance coverage.
Short-Term Disability Insurance
The University provides Core Short-Term Disability Insurance of 60% of your pre-disability salary, up to $45,000. Coverage is provided automatically at no cost to you and is administered by Standard Insurance. Benefits start when you have been out of work for 14 days and have used all accrued leave. (Use of accrued leave is not required for maternity leave.)
You cannot opt out of Core Short-Term Disability Insurance.
If you are unable to work due to a non-work-related illness or injury, or childbirth, disability insurance provides financial protection by replacing a portion of your pre-disability earnings. The University provides Core Short-Term and Long-Term Disability Insurance, as well as Buy-up Short-Term and Long-Term Disability Insurance coverage.
Short-Term Disability Insurance
The University provides Core Short-Term Disability Insurance of 60% of your pre-disability salary, up to $20,000. Coverage is provided automatically at no cost to you and is administered by Standard Insurance. Benefits start when you have been out of work for 14 days and have used all accrued leave. (Use of accrued leave is not required for maternity leave.)
You cannot opt out of Core Short-Term Disability Insurance.
Voluntary Short-Term Disability Insurance
You can enroll in Voluntary Short-Term Disability Insurance, which provides 60% of your pre-disability salary, up to $216,000. You may be subject to a pre-existing conditions limitation.
Find more information about Voluntary Short-Term Disability Insurance in the Short Term Disability Policy. If you have questions, contact your Human Resources representative.
Health Advocacy Select
If you’re eligible for short-term disability leave, Health Advocacy Select can help! A Personal Health Advocate (typically, a Registered Nurse) will help you with a wide range of services, including:
- Scheduling appointments
- Coordinating health care with providers and specialists
- Managing out-of-pocket medical expenses
- Resolving medical claims and billing issues
- Finding resources for services that may not be covered through health insurance
Advocates are available Monday – Friday, 8 a.m. – 12 a.m. (midnight), ET at 944.450.5543.
Long-Term Disability Insurance
If you are unable to work due to a non-work-related illness or injury, or childbirth, disability insurance provides financial protection by replacing a portion of your pre-disability earnings.
The University provides Core Long-Term Disability Insurance of 60% of your pre-disability salary up to $20,000, at no cost to you. Coverage is provided automatically at no cost to you and is administered by Standard Insurance. Benefits start after you have been out of work for 180 days, or at the end of your accumulated sick leave, whichever is later.
If your claim is approved by Standard Insurance, you will receive monthly benefits for as long as you remain disabled, up to age 65. If your disability begins at age 60 or older, you will be eligible to receive benefits for a set period of time, depending on when your disability began. See the Long-Term Disability Certificate for more information.
You cannot opt out of Core Long-Term Disability Insurance.
Long-Term Disability Insurance
If you are unable to work due to a non-work-related illness or injury, or childbirth, disability insurance provides financial protection by replacing a portion of your pre-disability earnings.
The University provides Core Long-Term Disability Insurance of 60% of your pre-disability salary up to $20,000, at no cost to you. Coverage is provided automatically at no cost to you and is administered by Standard Insurance. Benefits start after you have been out of work for 180 days, or at the end of your accumulated sick leave, whichever is later.
If your claim is approved by Standard Insurance, you will receive monthly benefits for as long as you remain disabled, up to age 65. If your disability begins at age 60 or older, you will be eligible to receive benefits for a set period of time, depending on when your disability began. See the Long-Term Disability Certificate for more information.
You cannot opt out of Core Long-Term Disability Insurance.
Special Long-Term Disability for Faculty Group Practice Members
Faculty Group Practice (FPG) members are enrolled automatically in employer-paid Long-Term Disability. The Long-Term Disability plan for FPG members provides 60% of your pre-disability salary, up to $500,000.
If you enroll after your initial benefits eligibility date, benefits may be subject to a pre-existing exclusion for the first 12 months you are insured.
