2023 Benefits Open Enrollment: Disability Insurance (Short and Long Term)
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About Disability Insurance
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;
- Long-Term Disability – 100% paid by Wright State
- 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 have exhausted all paid leave (sick leave, vacation, and if applicable, comp time).
Short-Term Disability (STD)
Short-term disability insurance provides substantial income replacement if you are unable to work for an extended period due to an approved medical condition.
Plan Benefits
Short-term disability insurance provides income replacement of up to 60% of your annual base salary (up to $2,310 per week maximum). The weekly benefit may be reduced by other income benefits such as Social Security Disability Insurance. Short-term disability benefits may continue for up to 26 weeks, after which a claim for long-term disability benefits can be submitted.
Filing a Claim
When filing a claim, a waiting period must be satisfied before receiving Short-term disability benefits from Unum, Wright State University’s vendor for these services. This period is fulfilled when all accrued leave has been exhausted, or when 14 calendar days of continuous disability have been reached, whichever is later.
Cost
Short-term disability premiums are based on the employee's age and salary. Use the Short-Term Cost Disability Calculator to calculate your monthly premium.
Take the following action(s) to continue, enroll or terminate short-term disability coverage:
| Step | Action Required |
|---|---|
|
Continue |
No action is required. The benefit will automatically continue. |
|
Enroll |
Submit the Short-Term Disability Enrollment Form (PDF) to HR by November 14, 2022. Submit a Statement of Health to Unum by November 14, 2022. Use access code V3BIMYW. |
|
Terminate |
Email HR-Benefits@wright.edu to request termination of coverage effective December 31, 2022. |
