The University of Texas System
Employee Group Insurance Home PageSkip Menu Contact OEB
for Employees
     
Home
Benefits
Publications

Get Acrobat Reader
Download the free Adobe Acrobat Reader to view PDF files
Plan Year

Short Term Disability

Choosing the Short Term Disability (STD) plan gives you income protection in case you become disabled due to illness or a non-occupational injury. The Short Term Disability plan is fully-insured through The Hartford.

After a 30-day elimination period requirement has been satisfied or after you use all of your sick leave (whichever is longer), if your disability claim is approved, you will be eligible to receive 60% of your covered salary. Benefits under this program will be decreased by deductible sources of income or other disability benefits received from other sources. Your total disability pay, including other sources of income, cannot be more than 60% of your covered salary.

Short Term Disability Benefits Summary
Weekly Benefit 60% of weekly earnings up to a maximum benefit of $693.00 per week subject to reduction by deductible sources of income or disability earnings.
Elimination Period Accident: Thirty (30) days
Sickness: Thirty (30) days
Maximum Period Payable 22 Weeks; 4 weeks for pre-existing conditions
Definition of Disability Occupation Definition: You are unable to perform the duties of your regular occupation because of sickness or a non-occupational injury. OR Earnings Definition: You are working, but you are unable to earn more than 80% of your pre-disability earnings because of sickness or non-occupational injury.
Sick Leave You must exhaust all of your sick leave before benefits are payable.
EOI All previously eligible employees must complete an Evidence of Insurability form.
Pre-Existing Condition A pre-existing condition is a condition for which medical treatment or advice was rendered, prescribed or recommended within three (3) months prior to the employee's effective date of STD insurance. A condition will no longer be considered pre-existing if it causes disability that begins after the employee has been insured under the Short Term Disability policy for a period of twelve (12) months.
Other Exclusions Disabilities resulting from war, suicide or felony, occupational accident or sickness or while incarcerated.
Definition of Monthly Earnings

Monthly Earnings will equal 1/12th of the Your rate of basic annual earnings on the later of:

  1. the September 1st immediately prior to Your Date of Disability; or
  2. the last date You were Actively at Work if not employed for Your Employer on the September 1st immediately prior to the Date of Disability.
It includes:
  1. Hazardous duty pay;
  2. Longevity pay;
  3. employee contributions made through a salary reduction agreement with Your Employer to an IRC Section 401(k), 403(b), 501(c)(3), 457 deferred compensation plan, or any other qualified or non-qualified employee Retirement Plan or deferred compensation arrangement; and
  4. amounts contributed to Your fringe benefits according to a salary reduction arrangement under an IRC Section 125 plan;
It does not include:
  1. commissions;
  2. bonuses;
  3. overtime pay;
  4. Your Employer’s contribution on Your behalf to a Retirement Plan or deferred compensation arrangement;
  5. or any other extra compensation.

You may read additional information about plan features and exclusions in the Short Term Disability Plan certificate available at this Website or at your campus Benefits Office.

The Hartford
Short Term Disability
www.thehartfordatwork.com

(800) 303-9744
8:00 AM - 8:00 PM EST