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Short-term Disability

 

 How to File a Claim  

 

  Short-Term Disability Benefits At-a-glance  

 

The Short-Term Disability Plan is voluntary employee-paid coverage that provides a weekly short-term disability benefit.

Eligibility
To be eligible for Short-Term Disability Insurance you must be hired to work a minimum of 19.5 hours per week (0.52 – 1.00 FTE) and be classified as a regular employee and have been employed for at least six months of continuous active employment.

Eligibility is lost if an employee’s status changes to below a 0.52 FTE or upon separation of employment.

Proof of disability must be provided and approved by Unum prior to any benefit being paid.

Effective Date
After meeting the eligibility criteria, you may enroll in this plan during the Annual Open Enrollment with coverage beginning January 1.

Elimination Period
An employee must have been unable to work for 30 days.  Benefits begin after the elimination period is complete.

Benefit Amount
This plan provides a weekly benefit equal to 60% of the employee’s base salary with a minimum weekly benefit of $25 and a maximum weekly benefit of $1,000.

Your benefit payment may be reduced by deductible sources of income.  Some disabilities may not be covered or may have limited coverage under this plan.

Enrollment
If you meet the eligibility criteria, you are eligible to enroll during the Annual Open Enrollment.

Cost
Short-Term Disability Insurance premium is 100% employee-paid since this is an optional voluntary benefit.