Short-term Disability

Short-Term Disability (STD) coverage, provided by Unum, provides participating employees with an approved claim 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.

UNUM does not require Evidence of Insurability (also known as proof of good health) to enroll in the Short-Term Disability plan. This means that any employee choosing to enroll in the Short-Term Disability plan will have guaranteed acceptance. The pre-existing exclusion will apply, and benefits will not be payable for that condition during the first year. This includes pregnancy, if you are pregnant when you first enroll in the STD Benefits, the pre-existing exclusion will apply, and benefits will not be payable for that pregnancy.

You must exhaust all your sick time prior to the STD benefit providing income replacement. 

Short-Term Disability (STD) Certificate of Coverage

Premium Rates and Contribution Calculation

• Benefits are based on a $10 per 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)

Monthly Example: Employee earning $80,000 per year

Calculation: Annual base salary ÷ 52 weeks to determine weekly income
Weekly income ($1,538) x 60% = Weekly benefit ($923)

14-DAY ELIMINATION PERIOD OPTION RATE = .284 Monthly cost: .284 X $923 = $262.13 ÷ $10 = $26.21 per month (Rate x weekly benefit ÷ $10 = monthly contribution)

30-DAY ELIMINATION PERIOD OPTION RATE = .187 Monthly cost: .187 x $923 = $172.60 ÷ $10 = $17.26 per month (Rate x weekly benefit ÷ $10 = monthly contribution)

Bi-Weekly Example: Employee earning $55,000 per year

Calculation: Annual base salary ÷ 52 weeks to determine weekly income Weekly income ($1,058) x 60% = Weekly benefit ($635)

14-DAY ELIMINATION PERIOD OPTION RATE = .284 Bi-weekly cost: .284 X $635 = $180.34 ÷ $10 = $18.03 per month x 12 months = $216.41 ÷ 26 bi-weekly pays = $8.32 (Rate x weekly benefit ÷ $10 = monthly contribution)

30-DAY ELIMINATION PERIOD OPTION RATE = .187 Bi-weekly cost: .187 x $635 = $118.75 ÷ $10 = $11.87 per month x 12 months = $142.49 ÷ 26 bi-weekly pays = $5.48 (Rate x weekly benefit ÷ $10 = monthly contribution)

What is not covered

Benefits would not be paid for disabilities caused by, contributed to by, or resulting from:

• War, declared or undeclared or any act of war;
• Active participation in a riot;
• Intentionally self-inflicted injuries;
• Loss of professional license, occupational license or certification;
• Commission of a crime for which you have been convicted;
• Any period of disability during which you are incarcerated;
• Any occupational injury or sickness (this will not apply to a partner or sole proprietor who cannot be covered by law under workers’ compensation or any similar law);
• Pre-existing conditions (see below definition)
  • You received medical treatment, consultation, care or services including diagnostic measures, or took prescribed drugs or medicines in the 3 months just prior to your effective date of coverage; and
  • The disability begins in the first 12 months after your effective date of coverage.

If you are already pregnant when you first enroll in the short term disability benefit, the pre-existing exclusion will apply and benefits will not be payable for that particular pregnancy condition.

Claims

To file a disability claim, contact Unum. There are two methods to initiate your claim:

Phone: 1-866-860-2066

Online: www.unum.com/claims

Please see the short-term disability claim instructions and the disability claims process. During your disability, you will be required to communicate your status with Unum and provide them with updates from your physician. Unum has a mobile app you can use to communicate and upload your supporting documents. During your leave of absence, you will work with Absence Management for all of your information and status updates. Please contact them at [email protected] or (814) 865-1782.