Disability Insurance (Short and Long Term Disability)

Wright State University provides disability insurance benefits to employees that work with an FTE of 75%. Our disability partner is UNUM and there are two offerings:

  1. Long Term Disability  – 100% paid by Wright State
  2. Short Term Disability – Voluntary coverage for employees to bridge the time between sick leave and Long-Term Disability 

Long-Term Disability (LTD)

Wright State University, at no cost to you, provides eligible employees with long term disability benefits. An employee can apply for LTD benefits after they have been deemed disabled for at least six months and has exhausted all paid leave (sick leave, vacation and if applicable, comp time).

Short Term Disability (LTD)

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 an after tax 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.

During Open Enrollment, you can make the following changes to Short Term Disability:

If you currently have Short Term Disability Coverage and wish to continue – no action is required.

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 after tax payroll deductions and can be found on the Short Term Disability Enrollment Form.

Enrollment

You will need to complete these two forms during the Open Enrollment period by November 16, 2020: