The Short Term Disability (STD) benefit, provided by Unum, protects employees against the loss of income for the first 26 weeks of a qualifying disability. This coverage will pay a benefit equal to 60% of an employee’s covered WSU earnings at the time of disability (maximum benefit, $2,310 per week). This benefit may be reduced by other income benefits. Before collecting STD benefits, an employee must satisfy the elimination period following the date of disability. This period ends on the later of the date the employee’s salary continuation is exhausted or 14 calendar days of continuous disability. This should run concurrently with Family Medical Leave (FMLA) as long as FMLA hours have not been exhausted.
Elimination period: This period ends on the later of the date the employee’s salary continuation is exhausted or 14 calendar days of continuous disability.
Salary continuation: Paid leave provided by WSU to employees for their service, i.e. sick, vacation, compensation time, etc.
During Open Enrollment, you can make the following changes to Short Term Disability:
- Terminate Coverage
If you currently have Short Term Disability Coverage and wish to continue – no action is required.
Full time employees (75% FTE or higher) are eligible to apply for coverage.
Evidence of Insurability is Required
Evidence of Insurability is required and includes a review of your overall medical health including routine, planned, unplanned or ongoing medical care or consultation, and may result in a declination of coverage.
Cost of Coverage
The cost for this insurance is paid by the employee with payroll deductions and can be found on the Short Term Disability Enrollment Form.
You will need to complete two forms during the Open Enrollment period:
- Short Term Disability Enrollment Form (PDF) – forward completed form to Erika Duncan, Benefits Analyst in Human Resources; 2455 Presidential Dr., Suite 221.
- Short Term Disability Evidence of Insurability (PDF) – mail directly to Unum at the address located on the first page.