Short-Term Disability (STD)
For Plan Year Beginning September 1, 2010
Dearborn National, the new brand name for Fort Dearborn Life Insurance Company® (FDL), is the carrier for the fully insured Short-Term Disability (STD) plan. The STD plan provides you income protection in case you become disabled due to illness or a non-occupational injury.
After a 14-day elimination period requirement has been satisfied or after you use all of your accumulated sick leave (whichever is longer), if your disability claim is approved, you will be eligible to receive 60% of your covered weekly earnings. 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.
||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.
||Accident: Fourteen (14) days
Sickness: Fourteen (14) 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;
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.
||You must exhaust all of your accrued sick leave before benefits are payable.
||All previously eligible employees must complete an Evidence of Insurability form.
||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.
||Disabilities resulting from war, suicide or felony, occupational accident or sickness or while incarcerated.
|Definition of Weekly Earnings
||Weekly Earnings will equal 1/52nd of your last reported gross annual income from your Employer in effect on the day immediately prior to your date of disability.
Weekly Earnings includes
Weekly Earnings does not include
- Hazardous duty pay;
- Longevity pay;
- 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
- Amounts contributed to your fringe benefits according to a salary reduction arrangement under an IRC Section 125 plan.
- Overtime pay;
- Your employer’s contribution on your behalf to a Retirement Plan or deferred compensation arrangement; or
- Any other extra compensation.
You may read additional information about plan features and exclusions in the Short-Term Disability Plan certificate which is also available at your institution Benefits Office.
Frequently Asked Short-Term Disability Questions and Answers
- What is the elimination period for the Short-Term Disability (STD) plan?
The elimination period is 14 days or exhaustion of accrued sick leave, whichever is longer. There are no disability benefits paid during the elimination period.
- How do I file a claim for STD benefits?
Call 1-866-628-2606 and report that you are not working because of an illness, injury or condition.
- What is the difference between Short-Term Disability and Long-Term Disability?
Short-Term Disability typically provides coverage for salary loss due to an illness or condition of a relatively finite nature, while Long-Term Disability is designed to provide coverage due to catastrophic and/or long-term conditions. Short-Term Disability coverage will pay up to twenty-two weeks for a new condition and up to four weeks for a pre-existing condition. Long-Term Disability will pay up to two years. At that time, the plan will re-evaluate the disability to determine if the member is still disabled which at that point may pay up to age 70, depending upon the employee’s age at the time of disability.
- What is the weekly benefit for STD?
The plan will pay a weekly benefit of 60% of your earnings up to a maximum benefit of $693.00 per week, subject to reduction by deductible sources of income or disability earnings.
- Is there a pre-existing condition clause in the STD plan?
Yes, a pre-existing condition is defined as one for which medical treatment or advice was rendered, prescribed or recommended within three (3) months prior to the employee's effective date of STD coverage; however, a condition will no longer be considered pre-existing if it causes disability that begins after the employee has been insured under the STD policy for a period of twelve (12) months.
- How often will I receive a STD check from Dearborn National while I am off from work?
Dearborn National will pay a weekly benefit up to 22 weeks for STD (after the elimination period) and up to 4 weeks for a pre-existing condition.