Short-term Disability Insurance

Short-term disability provides income replacement benefits if you are unable to work due to an injury, sickness, or pregnancy that results in your continuous disability for up to 180 days. It is an optional product offered by the University and provided by Unum.

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Eligibility and Enrollment

As a newly eligible employee, you may enroll online in MyU within 30 days of employment without providing medical evidence of insurability. The new coverage amount becomes effective the first day of the month following your first day of employment.

You may select an amount to replace up to 66.67% of your salary, in increments of $100, but no more than $5,000 per month.

If you have an existing amount of short-term disability insurance, you will be able to add more coverage without evidence of insurability during Open Enrollment in November. You can add up to $200 of coverage provided that you do not exceed 66.67% of your salary. The new insurance amount will be effective on January 1 of the new plan year.

Coverage Benefits

Benefits are paid from the first day of a disability due to an accident, or the eighth day of a disability due to sickness or pregnancy, if your claim is approved. The maximum duration of benefits for a disability is 26 weeks.

Partial Disability Benefits

You may be eligible for a partial disability benefit when you return to work and are able to perform some, but not all, of the essential duties of your occupation, and your work earnings are 80% or less of your covered weekly earnings. If your work earnings are equal to or exceed 80%, you are not eligible for a partial disability benefit.

You may receive your unreduced short-term disability benefit plus your work earnings while you are working part-time; however, the combination cannot exceed 100% of your pre-disability earnings.

Making a Coverage Change

You may decrease the amount of insurance coverage or cancel coverage at any time during the year. However, if you wish to enroll again at a later date, you will need to provide medical evidence of insurability.

Filing a Claim

Rates

You pay 100% of the cost of the short-term disability insurance. Because you pay the premium with after-tax payroll contributions, the benefits you receive are not subject to FICA, federal and state taxes. The cost of coverage depends on the amount of monthly benefit you select. You may select any benefit amount shown up to the lesser of your Maximum Monthly Benefit Amount or $5,000.

Determine your benefit amount

To find your Mamimum Monthly Benefit Amount:

  • multiply your annual salary by 66.67%;
  • divide that amount by 12 (months), and
  • round down to the nearest $100

Monthly Benefit 2018 Rate per Pay Period
$300 $1.65
400 $2.20
500 $2.75
600 $3.30
700 $3.85
800 $4.40
900 $4.95
1,000 $5.50
1,100 $6.05
1,200 $6.60
1,300 $7.15
1,400 $7.70
1,500 $8.25
1,600 $8.80
1,700 $9.35
1,800 $9.90
1,900 $10.45
2,000 $11.00
2,100 $11.55
2,200 $12.10
2,300 $12.65
2,400 $13.20
2,500 $13.75
2,600 $14.30
2,700 $14.85
2,800 $15.40
2,900 $15.95
3,000 $16.50
3,100 $17.05
3,200 $17.60
3,300 $18.15
3,400 $18.70
3,500 $19.25
3,600 $19.80
3,700 $20.35
3,800 $20.90
3,900 $21.45
4,000 $22.00
4,100 $22.55
4,200 $23.10
4,300 $23.65
4,400 $24.20
4,500 $24.75
4,600 $25.30
4,700 $25.85
4,800 $26.40
4,900 $26.95
5,000 $27.50

Returning to Work

UReturn is the designated office to serve all employees (including faculty and staff) with any disability or medical condition requiring accommodations or adjustments. UReturn obtains and confidentially maintains medical documents, certifies eligibility for services, recommends adjustments or reasonable accommodations, and develops plans for the provision of these for employees with illness or injury. As a neutral party, Access Consultants assist employees and their supervisors in implementing appropriate accommodations/adjustments.

UReturn offers a confidential, voluntary, and neutral service to assist you in a successful return to work. To schedule a meeting with a UReturn Specialist, please call 612-624-3316 or 612-626-1333 (V/TTY), or 218-726-7725 in Duluth.

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