Short Term Disability

The 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 sick leave is exhausted or 14 calendar days of continuous disability.

If you decided not to enroll upon your initial employment, the next opportunity is annually during Open Enrollment or within 30 days of a qualifying life event.

Eligibility:
Full time employees (75% FTE or higher) are eligible to apply for coverage.

Evidence of Insurability is Required at Open Enrollment:
Evidence of Insurability is required if electing at Open Enrollment 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. The Evidence of Insurability is not required if elected during your initial employment.

Cost of Coverage:
The cost for this insurance is paid by the employee via payroll deductions and can be calculated using the following formula.

Short Term Disability Cost Calculation:
To calculate your monthly cost for this coverage, use the calculator below.
Note, final cost may vary slightly due to rounding.

Short Term Disability Calculator

Age Rate
<55 $0.39
55-59 $0.42
60-64 $0.53
65-69 $0.62
70+ $0.68

 

Short Term Disability Enrollment Form (PDF)

Short Term Disability Plan Document (PDF)

Disclaimer: The benefits information contained in this site provides a summary for employees of Wright State. This information does not list all the provisions and does not supersede the individual provisions of our group insurance contracts, benefit plans and university policies that it describes. Similarly, the information presented does not guarantee that the university, the state of Ohio, and/or others responsible for these contracts, plans, programs, and policies will not make future changes in the provisions applicable to each.