Short-Term Disability (STD)

Short-Term Disability (STD) coverage, provided by Unum, provides faculty & staff paid leave for illnesses and injuries lasting more than 14 or 30 days, up to 22 or 24 weeks, depending on which option you choose.

You must exhaust all your sick time prior to the STD benefit providing income replacement. Benefits are based on a per $10 of weekly benefit calculation.

• Benefit amount is 60% to a maximum benefit of $1,500 per week
• Maximum weekly covered salary is $2,500 ($130,000 of annual income)

Example: Employee earning $80,000 per year

Calculation: Annual base salary divided by 52 to determine weekly income

Weekly income ($1,538) x 60% = Weekly benefit ($923)

14-day elimination period option rate = .395

Monthly cost: .395 X $923 = $364 divided by $10 = $36.46 per month

(Rate x weekly benefit divided by $10 = monthly contribution)

30-day elimination period option rate = .265

Monthly cost: .265 x $923 = 244.60 divided by $10 = $24.46

(Rate x weekly benefit divided by $10 = monthly contribution)