Disability Insurance

Short-Term Disability (Optional)

1. Coverage

This optional benefit provides income protection while the Employee is under a doctor's care and unable to work due to a covered accident or illness. NOTE: Approval for this optional benefit does require medical underwriting and is not guaranteed issue.
   
2. Cost

Paid entirely by the Employee.  This benefit is provided as part of the University's Section 125 Flexible Benefits program.  Premiums must be paid through pre-tax payroll deductions.

3. Enrollment

A full-time Employee is eligible to enroll on the 1st day of the month following his/her employment date.  However, coverage does not begin until the 1st of the month following receipt of the application for enrollment if you are approved for coverage.   A part-time Employee who becomes full-time is eligible on the 1st day of the month following the status change.

In order to enroll in this plan, the Employee must meet with the short term insurance representative (who is on campus each month) and must complete an application no later than thirty-one (31) days after his/her eligibility occurs and be approved for coverage.  Failure to comply with the application requirement negates the Employee's eligibility to participate until an open enrollment period takes place.  Open Enrollment occurs each year and during this period, changes in elections and enrollment may be made.  Such changes, if made, will be effective January 1st of the next calendar year.  Unless a qualifying condition is met, enrollment in this plan cannot be changed during the calendar year in which the election is made. 

Note - Certain references have been made concerning other contracts and benefits such as life insurance, short term disability insurance, medical insurance etc. These references are provided as general guidance and are not a replacement or supplement to the terms and provisions of the actual contracts or benefit referenced. For specific information concerning these policies please contact Human Resource Services for further information.

4/15/05