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About Disability Insurance
Wright State University offers short-term and long-term disability insurance to benefit-eligible employees (75% FTE or higher).
Effective January 1, 2027, Lincoln Financial will become the university's new disability insurance provider. Coverage, plan designs, and premium rates will remain unchanged.
The university offers two disability insurance options:
- Short-Term Disability (STD)
- Long-Term Disability (LTD)
Short-Term Disability (STD)
Short-term disability coverage, if purchased, protects employees from income loss due to an extended illness, accidental injury, childbirth, or another medical condition that requires ongoing physician care.
Special Enrollment Opportunity for Short-Term Disability Coverage
Protect your paycheck with short-term disability insurance. This benefit provides income protection if you are unable to work due to a covered illness, injury, pregnancy or childbirth, or another medical condition requiring ongoing physician care.
Due to the transition to Lincoln Financial, employees who are not currently enrolled have a one-time guaranteed enrollment opportunity with no medical questions required.
Employees currently enrolled in short-term disability coverage do not need to take any action. Existing coverage will automatically transition to Lincoln Financial at the same benefit level and premium rate.
Plan Benefits
Upon an approved claim, short-term disability coverage provides 60% income replacement of your regular monthly salary, up to a maximum of $2,310 per week. 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 the university's disability insurance provider. 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 annual salary as of December 31, 2027.
To calculate your monthly premium, use the following formula:
(Annual Salary ÷ 100 × Age-Based Rate) ÷ 12 = Monthly Premium
First, divide your annual salary by 100 and multiply by the rate corresponding to your age to determine your annual premium. Then, divide the annual premium by 12 to calculate your monthly premium.
Need help calculating your premium? Use the Short-Term Disability Cost Calculator.
Age-Based Premium Rates
| Age Band | Monthly Rate per $100 of Monthly Salary |
|---|---|
| Under 25 | $0.296 |
| 25–29 | $0.296 |
| 30–34 | $0.296 |
| 35–39 | $0.296 |
| 40–44 | $0.296 |
| 45–49 | $0.296 |
| 50–54 | $0.296 |
| 55–59 | $0.319 |
| 60–64 | $0.402 |
| 65–69 | $0.470 |
| 70 and older | $0.516 |
Open Enrollment Actions
During open enrollment, take the following action to continue, enroll in, or terminate short-term disability coverage:
| Action | Instructions |
|---|---|
| Continue | No action is required. Your existing coverage will automatically transition to Lincoln Financial at the same benefit level and premium rate. |
| Enroll | Submit the Short-Term Disability Enrollment Form (PDF) to Human Resources by November 20, 2026. |
| Terminate | Submit the Short-Term Disability Enrollment Form (PDF) to Human Resources by November 20, 2026, to terminate coverage effective December 31, 2026. |
Long-Term Disability (LTD)
Wright State University provides eligible employees with long-term disability benefits at no cost. Enrollment is automatic.
If an extended disability prevents you from working for six months or longer, you can submit a long-term disability claim with the university's disability insurance provider.
Employees currently enrolled in long-term disability coverage do not need to take any action. Existing coverage will automatically transition to Lincoln Financial at the same benefit level.
Plan Benefits
Upon an approved claim, long-term disability benefits provide income protection after a six-month waiting period and after all accrued leave has been exhausted.
Coverage provides 60% of your regular monthly salary, up to a maximum of $10,000 per month. The monthly benefit may be reduced by other income benefits, such as Social Security Disability Insurance.
Filing a Claim
When filing a claim, a six-month waiting period must be satisfied before receiving long-term disability benefits from the university's disability insurance provider.