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DISABILITY

What is Short-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a short period of time. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

 

Plan Rules:

  • Eligibility: Full-time employees, regardless of position, working 32 hours or more per week (Part-time and 49% employees are not eligible to enroll)

  • Coverage through OneAmerica

  • Employee must be actively at work on the effective date

  • Annual Open Enrollments with no health questions; pre-existing condition limitation will apply to new enrollees

  • Employees can choose to start/stop their sick leave to get through the elimination period. This decision must be made at the beginning of leave.

What is Long-Term Disability Insurance?

A type of coverage that replaces a portion of your income if injury or illness prevents you from working for a longer period of time. It provides financial security for you and any loved ones who may depend on your ability to earn a paycheck. You may also hear disability insurance referred to as disability income insurance or income protection.

Plan Rules:

  • Eligibility: Full-time employees, regardless of position, working 32 hours or more per week (Part-time and 49% employees are not eligible to enroll)

  • Coverage through One America

  • Employee must be actively at work on the effective date • Annual Open Enrollments with no health questions; pre-existing condition limitation will apply to new enrollees

  • Employees can choose to start/stop their sick leave to get through the elimination period. This decision must be made at the beginning of leave.

If you still have questions, contact Campus Benefits:

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