Short Term Disability

What is STD?

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 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.

Definitions:

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.

Who is eligible to receive STD?

Before collecting STD benefits, an employee must satisfy the following:

  • Full time employees (75% FTE or higher) are eligible to apply for coverage during the annual Benefits Open Enrollment or during a qualifying life event;
  • Enrolled in STD benefits through payroll deduction;
  • Complete the elimination period following the date of disability.

If you decided not to enroll upon your initial employment, the next opportunity is annually during Benefits Open Enrollment or within 31 days of a qualifying life event. For more information on this plan benefit, please review the plan document:

Who pays for the coverage?

This is an employee paid benefit through payroll deductions. To elect coverage, please complete the following form during either annual Benefits Open Enrollment or during a qualifying life event:

What do I need to do after I elect to enroll in STD coverage?

Evidence of Insurability is required if electing at the annual Benefits Open Enrollment and during a qualifying event. This 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.

What will my cost of coverage be through payroll deduction?

The cost for this insurance is paid by the employee via payroll deductions and can be calculated using the following formula. To calculate your monthly cost for this coverage, use the calculator below. Please note, the final cost may vary slightly due to rounding.

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


Who should apply for STD payments?

Employees who are enrolled in the benefit should consider applying for STD payments for the following reasons:

  • Employees who need to take a medical leave for themselves and have an amount of paid leave less than the amount needed for leave, or
  • Employees who need to take a medical leave for themselves who have exhausted all paid leave prior to the commencement of leave.

How do I apply for STD payments?

In order to apply, the employee, employer (Human Resources) and physician must complete their sections of the application. These sections are submitted to Unum for review. Once review is complete, Unum will notify the employee and employer on the status of the claim, approved through benefit payment period and benefit payment amounts (if approved).

To apply, please complete the following form:

Please submit the employer portion of the form to hr-leave@wright.edu or via fax to 937-775-3040 for completion. Unum administers the status of the disability leave, the benefit payment approved through period as well as the benefit payment amounts received during this time. Any inquiries surrounding your disability leave should be directed to Unum’s Benefit Center at:

  • Toll-free: 1-800-858-6843
  • Fax: 1-800-447-2498

FMLA and short-term disability runs concurrently therefore, be sure to apply for both leave types to ensure there are minimal delays. If you have taken FMLA within the last 12 months and have exhausted the full 12 weeks, you do not have to request FMLA when requesting your short-term disability

 

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.