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Short-Term Disability (STD)

The University of Richmond provides a short term disability policy to all full-time employees administered by Cigna. This policy will provide salary continuation if an eligible employee (faculty and staff) has an illness or injury and cannot perform duties of position.

Eligibility

Full-time employees are eligible for this benefit immediately. If you are not in active service on the date your insurance would otherwise be effective, it will be effective on your first day of active service.

Coverage

  • Benefit Waiting period (14 days)
    • staff will use sick/vacation/personal leave before going on STD   
    • faculty will be paid (no sick or vacation accrual)
  • Maximum Benefit Period - 24 weeks -beginning on the 15th day out
  • Weekly benefit percentage
    • 66 2/3% of base salary for staff
    • 100% of base salary for faculty - faculty do not accrue sick and vacation time
    • Payment is taxable
  • Effective first day of employment - all employees hired on or after 1/1/13 will have a pre-existing clause. 
  • Staff may choose to take accrued sick leave prior to taking the STD benefit. This would allow an employee to be paid at 100% if they use their sick leave.
  • Both faculty and staff must apply for STD and FMLA if out more than 3 days (managers must notify HR when employee is out more than 3 days)

Filing a Claim

  • Cigna will adjudicate all employee claims (UR won't need to have specific knowledge of medical claims)
  • Employees call in their claim directly to Cigna (no paperwork to complete)
  • Once claim has been approved UR will make STD payments through Banner
  • Smooth transition to LTD if needed (Cigna is LTD vendor)

Payment of STD (Staff)

  • It is very important to file a STD claim as soon as possible. If an employee is going to be out longer than 3 days, he or she should contact Cigna to file a claim. Cigna will notify the employee of the status of the claim.
  • Once Cigna has approved the claim, the employee must contact URHR Solution Center to indicate how they prefer to be paid:
    • Accrued sick leave first at 100% pay or be paid at 66 2/3% through STD
    • If the employee doesn't contact URHR, then they will be paid from sick leave accrual prior to being paid 66 2/3% through STD.
  • Employees are only eligible for payment past the two-week elimination period if Cigna approves their claim, regardless of what leave balances the employee may have available.
  • If Cigna has not approved the claim, the employee should work with Cigna to ensure they receive the appropriate information needed from their physician. If the claim has not been approved, then the employee is not able to use accrued leave past the two-week elimination period. If the claim is approved after the payroll date, the employee will be paid retroactively for any missed pay.
  • If Cigna denies the claim, the employee will not be able to use any accrued leave time for absences after the two-week elimination period.

Helpful Hints

  • If an employee is out of work for more than 10 days and under the care of a physician, it is required that they contact CIGNA at 1-800-362-4462 to file a claim. Employees must do this even if they plan to use available sick leave to cover their absence.
  • If an employee is absent from work for less than 10 days and under the care of a physician, it is required that they submit a Doctor's note prior to their return to work. The note must include a return to work status; indicating a full-duty return or job restrictions. Physicians may fax this to HR at 804-287-1282.
  • If an employee is going to be out of work for 3-10 days and under the care of a physician, it is recommended that they file a claim with Cigna.
  • If an employee does not receive an approval from Cigna, they are unable to use accrued leave beyond 10 days, which will affect their pay.
  • All employees are required to provide HR with a Return to Work notice indicating a full-duty return or restrictions.

For more detailed information, please see the appropriate summary plan descriptions in the grey boxes to the right.

(Effective 1/1/2013, page last updated: 11/14/13)

Need to file a claim?

Call 1-800-362-4462.

Questions About Benefits?

Contact Human Resources at (804) 289-URHR (8747) or email URHR@richmond.edu.